| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 1240 BROADCASTING RD WYOMISSING, PA 19610 | DELTA DENTAL OF PENNSYLVANIA | $29K | — | $29K | 6.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | HM LIFE INSURANCE COMPANY | $59K | — | $59K | 15.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $42K | $42K | 17.08% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 1240 BROADCASTING RD WYOMISSING, PA 19610 | AMERICAN UNITED LIFE INSURANCE COMPANY | $42K | — | $42K | 17.08% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $7K | $7K | 3.01% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 1240 BROADCASTING RD WYOMISSING, PA 19610 | VISION BENEFITS OF AMERICA | $3K | — | $3K | 2.34% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | AMERICAN UNITED LIFE INSURANCE COMPANY | — | $7K | $7K | 9.73% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 1240 BROADCASTING RD WYOMISSING, PA 19610 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | — | $3K | 4.27% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 7.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 1240 BROADCASTING RD WYOMISSING, PA 19610 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.40% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 1240 BROADCASTING RD WYOMISSING, PA 19610 | 4 EVER LIFE INSURANCE COMPANY | $1K | — | $1K | 12.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | 4 EVER LIFE INSURANCE COMPANY | — | $777 | $777 | 8.50% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | 4 EVER LIFE INSURANCE COMPANY | — | $457 | $457 | 5.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 44.30% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 1240 BROADCASTING RD WYOMISSING, PA 19610 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $478 | — | $478 | 10.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $191 | $191 | 4.00% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $300 | — | $300 | 20.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE | PO BOX 6707 WYOMISSING, PA 19610 | FEDERAL INSURANCE COMPANY | $225 | — | $225 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAPITAL BLUE CROSS EIN 23-2195219 ADMINISTRATOR | Claims processing Service code 12 | — | $532K |
| REINSEL KUNTZ LESHER LLP EIN 23-2108173 AUDITOR | Accounting (including auditing) Service code 10 | — | $13K |
| ALTERNATIVE BENEFIT SYSTEMS, INC EIN 23-2673318 ADMINISTRATOR | Claims processing Service code 12 | — | $12K |
| LEHIGH VALLEY BUSINESS COALITION EIN 23-2155696 ADMINISTRATOR | Claims processing Service code 12 | — | $6K |
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 | 1,710 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,717 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 2,713 | $488K |
| Vision | VISION BENEFITS OF AMERICA | 1,152 | $112K |
| Life insurance(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,745 | $328K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 165 | $46K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,401 | $395K |
| Other(4 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 1,745 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,713 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.