| 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 | $35K | $0 | $35K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1800 ROUTE 34 BUILDING 4 STE 404A WALL, NJ 07719 | HARTFORD LIFE & ACCIDENT INSURANCE | $0 | $12K | $12K | 5.09% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES INC | 90 MAIN ST BATAVIA, NY 14020 | DELTA DENTAL OF PENNSYLVANIA | $20K | $0 | $20K | 10.41% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES, INC | 90 MAIN ST BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $730 | $4K | 13.73% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $128 | $5 | $133 | 13.78% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES, INC | 90 MAIN ST BATAVIA, NY 14020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $126 | $31 | $157 | 29.07% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY LLC | 3650 WINDING WAY, SUITE 200 NEWTON SQUARE, PA 19073 | FEDERAL INSURANCE COMPANY | $0 | $0 | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES INC. EIN 83-0389955 BROKER | Insurance agents and brokers Service code 22 | — | $91K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 ADMIN | Claims processing Service code 12 | — | $27K |
| WAGEWORKS EIN 94-3351864 ADMIN | Claims processing Service code 12 | — | $9K |
| MERCER HEALTH BENEFITS LLC EIN 34-2015463 BROKER | Claims processing Service code 12 | — | $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 | 285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 92 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 377 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 605 | $3.6M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 587 | $194K |
| Vision | AETNA LIFE INSURANCE CO. | 605 | $3.6M |
| Life insurance | HARTFORD LIFE & ACCIDENT INSURANCE | 370 | $234K |
| Long-term disability | HARTFORD LIFE & ACCIDENT INSURANCE | 370 | $234K |
| Other(7 contracts, 5 carriers) | HARTFORD LIFE & ACCIDENT INSURANCE | 370 | $282K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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.