| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMPKINS INS AGENCY3 | 90 MAIN ST BATAVIA, NY 14020 | DELTA DENTAL OF PENNSYLVANIA | $7K | $0 | $7K | 10.00% |
| TOMPKINS INS AGENCY3 | 90 MAIN ST BATAVIA, NY 14020 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.77% |
| TOMPKINS INS AGENCY3 | 90 MAIN ST BATAVIA, NY 14020 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.85% |
| TOMPKINS INS AGENCY3 | 90 MAIN ST BATAVIA, NY 14020 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.65% |
| TOMPKINS INS AGENCY3 | 1240 BROADCASTING RD WYOMISSING, PA 19610 | VISION BENEFITS OF AMERICA | $785 | $0 | $785 | 5.91% |
| TOMPKINS INS AGENCY3 | 90 MAIN ST BATAVIA, NY 14020 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $954 | $0 | $954 | 14.99% |
| TOMPKINS INS AGENCY3 | 90 MAIN ST BATAVIA, NY 14020 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $31 | $0 | $31 | 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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 117 | $68K |
| Vision | VISION BENEFITS OF AMERICA | 114 | $13K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $33K |
| Long-term disability | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 135 | $21K |
| Other(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 135 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.