| 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 | $141K | — | $141K | 12.00% |
| SBR SERVICES LLC3 | 2839 PACES FERRY ROAD SE, SUITE 830 ATLANTA, GA 30339 | ANTHEM LIFE INSURANCE | — | $82K | $82K | 7.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | UNITED CONCORDIA INSURANCE COMPANY | $32K | $3K | $35K | 6.08% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | HARTFORD LIFE AND ACCIDENT | $49K | $3K | $52K | 9.66% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 1240 BROADCASTING RD WYOMISSING, PA 19610 | VISION BENEFITS OF AMERICA | $2K | — | $2K | 1.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC. EIN 23-1294723 NONE | Claims processing Service code 12 | — | $59K |
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 | 2,676 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,680 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 3,070 | $570K |
| Vision | VISION BENEFITS OF AMERICA | 2,446 | $183K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,429 | $536K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,429 | $536K |
| Stop-loss / reinsurancereinsurance | ANTHEM LIFE INSURANCE | 10,944 | $1.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 2,429 | $536K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,944 | — |
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.