| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE UNDERWRITING PARTNERS | 101 E LANCASTER AVE, SUITE 301 WAYNE, PA 19087 | ANTHEM LIFE INSURANCE | $80K | $36K | $116K | 16.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 1240 BROADCASTING RD WYOMISSING, PA 19610 | DELTA DENTAL OF PENNSYLVANIA | $7K | — | $7K | 1.44% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | HARTFORD LIFE AND ACCIDENT | $41K | $1K | $42K | 10.42% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 1240 BROADCASTING RD WYOMISSING, PA 19610 | VISION BENEFITS OF AMERICA | $3K | — | $3K | 2.37% |
| 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 LLC | PO BOX 6707 WYOMISSING, PA 19610 | FEDERAL INSURANCE COMPANY | $225 | — | $225 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC. EIN 23-1294723 NONE | Claims processing Service code 12 | — | $69K |
| RKL LLP EIN 23-2108173 NONE | Accounting (including auditing) Service code 10 | — | $15K |
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 | 1,446 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,453 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 2,408 | $467K |
| Vision | VISION BENEFITS OF AMERICA | 1,084 | $108K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,960 | $400K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,960 | $400K |
| Stop-loss / reinsurancereinsurance | ANTHEM LIFE INSURANCE | 1,244 | $725K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,960 | $402K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,408 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.