| 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 | $52K | $0 | $52K | 2.76% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $33K | $0 | $33K | 14.62% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1800 ROUTE 34 BUILDING 4 STE 404A WALL, NJ 07719 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $11K | $11K | 4.87% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 90 MAIN STREET BATAVIA, NY 14020 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $59 | $2K | 16.52% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $511 | $102 | $613 | 4.82% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 90 MAIN STREET BATAVIA, NY 14020 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $62 | $2K | 16.25% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $428 | $98 | $526 | 4.82% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 90 MAIN STREET BATAVIA, NY 14020 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $40 | $1K | 15.37% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $341 | $64 | $405 | 4.43% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES, INC | 90 MAIN ST BATAVIA, NY 14020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $499 | $84 | $583 | 17.55% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES, INC | 90 MAIN ST BATAVIA, NY 14020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $345 | $57 | $402 | 17.45% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES, INC | 90 MAIN ST BATAVIA, NY 14020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $322 | $54 | $376 | 17.49% |
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 | 362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 290 | $1.9M |
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 290 | $1.9M |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 290 | $1.9M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 362 | $223K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 362 | $223K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 362 | $223K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 290 | $1.9M |
| Other(6 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 130 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.