| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 1240 BROADCASTING ROAD SUITE 160 READING, PA 19610 | HIGHMARK INC. | $47K | $0 | $47K | 2.26% |
| THE BENECON GROUP3 Filed as: THE BENECON GROUP, LLC | 201 E OREGON RD STE 100 LITITZ, PA 17543 | HIGHMARK INC. | $10K | $0 | $10K | 0.50% |
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN ST BATAVIA, NY 14020 | DELTA DENTAL OF PENNSYLVANIA | $2K | $0 | $2K | 1.97% |
| BSI CORPORATE BENEFITS LLC3 Filed as: BSI CORPORATE BENEFITS, LLC | 2841 NORTHWESTERN HWY STE 1150 SOUTHFIELD, MI 48034 | DELTA DENTAL OF PENNSYLVANIA | $920 | $0 | $920 | 1.03% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 90 MAIN STREET BATAVIA, NY 14020 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 8.52% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 90 MAIN STREET BATAVIA, NY 14020 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 14.37% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | PO BOX 6243 PO BOX 6707 WYOMISSING, PA 19610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 10.94% |
No Schedule C service providers reported on this filing.
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 145 | $2.1M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 249 | $90K |
| Vision | HIGHMARK INC. | 145 | $2.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $13K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $13K |
| Prescription drug | HIGHMARK INC. | 145 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.