| 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 | $51K | $0 | $51K | 2.11% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP, INC. | 325 CHESTNUT STREET, SUITE 1000 PHILADELPHIA, PA 19106 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 7.65% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 7.35% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | UNKNOWN BERKELEY HEIGHTS, NJ 07922 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 2.55% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN ASSOCIATES, LLC | UNKNOWN ALBANY, NY 12204 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 2.45% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 4.17% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP, INC. | 325 CHESTNUT STREET, SUITE 1000 PHILADELPHIA, PA 19106 | DELTA DENTAL OF PENNSYLVANIA | $2K | $0 | $2K | 3.24% |
| PATRIOT GROWTH INSURANCE SERVICES3 | UNKNOWN MORGANTOWN, PA 19543 | DELTA DENTAL OF PENNSYLVANIA | $2K | $0 | $2K | 2.59% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | UNUM INSURANCE COMPANY | $3K | $530 | $4K | 19.37% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE BENEFITS GROUP, INC. | 325 CHESTNUT STREET, SUITE 1000 PHILADELPHIA, PA 19106 | UNUM INSURANCE COMPANY | $661 | $0 | $661 | 3.19% |
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 | 345 | 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) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 330 | $2.4M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 352 | $75K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 330 | $2.4M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 345 | $193K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 345 | $193K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 345 | $193K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 330 | $2.4M |
| Other(3 contracts, 3 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 345 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.