| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNA INC. | THE CURTIS CENTER 601 WALNUT STREET #805 PHILADELPHIA, PA 19106 | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | $6K | — | $6K | 3.77% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 8.02% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 6.67% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $392 | $5K | 16.25% |
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN STREET BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $233 | $93 | $326 | 1.88% |
| OHARA CONSULTING GROUP, INC.3 | 1605 BANE WAY WEST CHESTER, PA 19380 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $155 | — | $155 | 0.89% |
| OHARA CONSULTING GROUP, INC.3 | 1605 BANE WAY WEST CHESTER, PA 19380 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $386 | — | $386 | 3.36% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $111 | — | $111 | 0.97% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 35.78% |
| BIDDLE INSURANCE SERVICES3 Filed as: BIDDLE AND COMPANY INSURANCE BROKER | 650 WINDING WAY NEWTOWN SQUARE, PA 19073 | FEDERAL INSURANCE COMPANY | $596 | — | $596 | 14.99% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $328 | $35 | $363 | 43.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES INC. EIN 83-0389955 INSURANCE AGENTS | Insurance agents and brokers Service code 22 | 90 MAIN STREET BATAVIA, NY 14020 | $54K |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 60 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | AETNA HEALTH, INC. | 407 | $2.3M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 190 | $151K |
| Vision | AETNA LIFE INSURANCE COMPANY | 376 | $7K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 264 | $112K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 264 | $130K |
| Prescription drug | INDEPENDENCE BLUE CROSS - KEYSTONE 65 | 12 | $59K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 264 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.