| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES INC | 90 MAIN STREET BATAVIA, NY 140202109 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $1K | $10K | 6.39% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $9K | 9.30% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $423 | $5K | 17.79% |
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN STREET BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $277 | $91 | $368 | 2.11% |
| OHARA CONSULTING GROUP, INC.3 | 1605 BANE WAY WEST CHESTER, PA 19380 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.17% |
| OHARA CONSULTING GROUP, INC.3 | 1605 BANE WAY WEST CHESTER, PA 19380 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $371 | — | $371 | 3.86% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $166 | — | $166 | 1.73% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $998 | $0 | $998 | 12.97% |
| BIDDLE INSURANCE SERVICES3 Filed as: BIDDLE AND COMPANY INSURANCE BROKER | 650 WINDING WAY NEWTOWN SQUARE, PA 19073 | FEDERAL INSURANCE COMPANY | $1K | — | $1K | 18.25% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $106 | $3 | $109 | 14.55% |
| 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 | $56K |
| MERCER HEALTH & BENEFITS, LLC INSURANCE AGENTS | Insurance agents and brokers Service code 22 | 111 SW COLUMBIA STREET 500 PORTLAND, OR 97201 | $0 |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS - KEYSTONE 65 | 11 | $94K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 330 | $155K |
| Vision | AETNA LIFE INSURANCE COMPANY | 428 | $2.4M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 285 | $101K |
| Long-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 285 | $120K |
| Prescription drug | INDEPENDENCE BLUE CROSS - KEYSTONE 65 | 11 | $46K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 285 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.