| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | HARTFORD LIFE & ACCIDENT INSURANCE | $41K | $674 | $42K | 14.90% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | HARTFORD LIFE & ACCIDENT INSURANCE | $0 | $14K | $14K | 4.89% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES INC | 90 MAIN ST BATAVIA, NY 14020 | DELTA DENTAL OF PENNSYLVANIA | $25K | $0 | $25K | 10.00% |
| TOMPKINS INS AGENCY3 | 90 MAIN ST BATAVIA, NY 14020 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.48% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $59 | $2K | 6.73% |
| TOMPKINS INS AGENCY3 Filed as: TOMPKINS INSURANCE AGENCY | 90 MAIN STREET BATAVIA, NY 14020 | AETNA INTERNATIONAL | $647 | $0 | $647 | 5.11% |
| TOMPKINS INS AGENCY3 | 90 MAIN ST BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $137 | $5 | $142 | 12.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES INC. BROKER | Insurance agents and brokers Service code 22 | 90 MAIN ST BATAVIA, NY 14020 | $167K |
| HEALTH EQUITY EIN 52-2383166 ADMIN | Claims processing Service code 12 | — | $10K |
| THE HARTFORD EIN 06-0838648 ADMIN | Claims processing Service code 12 | — | $5K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 98 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 614 | $6.3M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 614 | $253K |
| Vision | VISION SERVICE PLAN | 298 | $33K |
| Life insurance | HARTFORD LIFE & ACCIDENT INSURANCE | 405 | $280K |
| Other(6 contracts, 5 carriers) | HARTFORD LIFE & ACCIDENT INSURANCE | 405 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.