| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 90 MAIN STREET BATAVIA, NY 14020 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $48K | $0 | $48K | 3.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | PO BOX 6243 1240 BROADCASTING ROAD WYOMISSING, PA 19610 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $13K | $126 | $13K | 15.27% |
| TOMPKINS INSURANCE AGENCIES3 | 1240 BROADCASTING ROAD WYOMISSING, PA 19606 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 5.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 1240 BROADCASTING ROAD 999 BERKSHIRE BLVD SUITE 160 WYOMISSING, PA 19610 | VISION BENEFITS OF AMERICA | $786 | $0 | $786 | 5.92% |
| TOMPKINS INSURANCE AGENCIES3 | 1240 BROADCASTING ROAD 999 BERKSHIRE BLVD SUITE 160 WYOMISSING, PA 19610 | DELTA DENTAL OF PENNSYLVANIA | $249 | $0 | $249 | 5.00% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 192 | $1.6M |
| Dental(2 contracts) | DELTA DENTAL OF PENNSYLVANIA | 239 | $68K |
| Vision | VISION BENEFITS OF AMERICA | 231 | $13K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 262 | $88K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 262 | $88K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 262 | $88K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 192 | $1.6M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 262 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.