| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES INC | 90 MAIN ST BATAVIA, NY 140202109 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 7.45% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | HARTFORD LIFE AND ACCIDENT | $25K | $7K | $33K | 20.07% |
| WEBTA EMPLOYER SERVICES LLC3 | 8500 FREEPORT PKWY SOUTH IRVING, TX 75063 | HARTFORD LIFE AND ACCIDENT | $0 | $497 | $497 | 0.31% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES INC | 90 MAIN ST BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $376 | $0 | $376 | 2.16% |
| OHARA CONSULTING GROUP, INC.3 Filed as: OHARA CONSULTING GROUP INC | 1605 BANE WAY WEST CHESTER, PA 19380 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.11% |
| BIDDLE INSURANCE SERVICES3 Filed as: BIDDLE & COMPANY INSURANCE BROKERS | 650 WINDING WAY NEWTON SQUARE, PA 19073 | FEDERAL INSURANCE COMPANY | $165 | $0 | $165 | 15.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $137 | $17 | $154 | 19.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOMPKINSE INSURANCE AGENCIES INC. EIN 83-0389955 BROKER | Insurance agents and brokers Service code 22 | — | $68K |
| EXPRESS SCRIPTS EIN 43-1420563 ADMIN | Claims processing Service code 12 | — | $16K |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 422 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $164K |
| Vision | AETNA LIFE INSURANCE CO. | 422 | $2.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 291 | $162K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 291 | $162K |
| Prescription drug | INDEPENDENCE BLUE CROSS - KEYSTONE 65 | 11 | $47K |
| Other(5 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 291 | $192K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 422 | — |
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."
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.