| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | ANTHEM LIFE INSURANCE | $145K | $0 | $145K | 15.00% |
| SBR SERVICES LLC3 | 2839 PACES FERRY ROAD SE, SUITE 830 ATLANTA, GA 30339 | ANTHEM LIFE INSURANCE | — | $68K | $68K | 7.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | HARTFORD LIFE AND ACCIDENT | $51K | — | $51K | 10.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | UNITED CONCORDIA INSURANCE COMPANY | $28K | — | $28K | 5.96% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 1240 BROADCASTING RD WYOMISSING, PA 19610 | VISION BENEFITS OF AMERICA | $3K | — | $3K | 2.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC. EIN 23-1294723 NONE | Claims processing Service code 12 | — | $47K |
| PRIMEPAY LLC NONE | Contract Administrator Service code 13 | 1487 DUNWOODY DRIVE WEST CHESTER, PA 19380 | $11K |
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 | 1,959 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,971 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 2,650 | $470K |
| Vision | VISION BENEFITS OF AMERICA | 1,764 | $137K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,952 | $509K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,952 | $509K |
| Stop-loss / reinsurancereinsurance | ANTHEM LIFE INSURANCE | 8,838 | $969K |
| Other | HARTFORD LIFE AND ACCIDENT | 1,952 | $509K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,838 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.