| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 90 MAIN STREET BATAVIA, NY 14020 | AETNA LIFE INSURANCE CO. | $18K | $0 | $18K | 0.51% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | HARTFORD LIFE & ACCIDENT INSURANCE | $29K | $493 | $29K | 15.35% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES INC | 90 MAIN ST BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $236 | $2K | 7.52% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY LLC | 3650 WINDING WAY, SUITE 200 NEWTON SQUARE, PA 19073 | FEDERAL INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 90 MAIN STREET BATAVIA, NY 14020 | AETNA INTERNATIONAL | $669 | $0 | $669 | 17.22% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $139 | $0 | $139 | 14.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES INC. EIN 83-0389955 BROKER | Insurance agents and brokers Service code 22 | 90 MAIN STREET BATAVIA, NY 14020 | $92K |
| EXPRESS SCRIPTS EIN 43-1420563 ADMIN | Claims processing Service code 12 | — | $22K |
| WAGEWORKS EIN 94-3351864 ADMIN | Claims processing Service code 12 | — | $8K |
| MERCER HEALTH & BENEFITS EIN 34-2015463 BROKER | Insurance agents and brokers Service code 22 | — | $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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 75 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 522 | $3.5M |
| Dental | AETNA LIFE INSURANCE CO. | 522 | $3.5M |
| Vision | AETNA LIFE INSURANCE CO. | 522 | $3.5M |
| Life insurance | HARTFORD LIFE & ACCIDENT INSURANCE | 333 | $190K |
| Long-term disability | HARTFORD LIFE & ACCIDENT INSURANCE | 333 | $190K |
| Other(6 contracts, 5 carriers) | HARTFORD LIFE & ACCIDENT INSURANCE | 333 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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.