| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC DBA DON | — | INDEPENDENCE BLUE CROSS | $39K | $6K | $44K | 3.34% |
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN STREET BATAVIA, NY 14020 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $3K | $703 | $4K | 6.25% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 207 N. ABERDEEN AVE WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 16.66% |
| JENNIFER MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | $537 | $706 | 4.17% |
| MELINDA DIANE SWARTLEY3 | 202 PACER LANE TRAPPE, PA 19426 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $517 | $0 | $517 | 3.05% |
| DAVID J MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | $286 | $333 | 1.96% |
| MARK J WEISHAAR3 Filed as: MARK JOSEPH WEISHAAR | 12 ANTHONY DR MALVERN, PA 19355 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $71 | $0 | $71 | 0.42% |
| LORENZO V CUTAIA3 | 123 AZALEA LN EGG HARBOR TOWNSHIP, NJ 08234 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | $10 | $29 | 0.17% |
| PARKS BENEFITS & ENROLLMENT LLC3 | 504 LITCHFIELD LN LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $11 | $28 | 0.17% |
| MARKS BENEFIT MANAGEMENT LLC3 | 3847 E SPYGLASS HILL DR FEYETTEVILLE, AR 72701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | $11 | $28 | 0.17% |
| VINCENT J ROWAN3 | 4447 E THOMPSON ST PHILADELPHIA, PA 19137 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $0 | $15 | 0.09% |
| GARY D DAVIS3 | 1 ARCTURUS DR SEWELL, NJ 08080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $3 | $6 | 0.04% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 90 MAIN STREET BATAVIA, NY 14020 | STANDARD INSURANCE COMPANY | $738 | $0 | $738 | 9.99% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $369 | $92 | $461 | 6.24% |
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN STREET BATAVIA, NY 14020 | HARTFORD LIFE AND ACCIDENT | $864 | $0 | $864 | 12.00% |
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 | 122 | 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) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 152 | $1.3M |
| Dental | STANDARD INSURANCE COMPANY | 98 | $56K |
| Vision | STANDARD INSURANCE COMPANY | 97 | $7K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 122 | $7K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 14 | $17K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 152 | $1.3M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 122 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.