| 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 | VISION BENEFITS OF AMERICA | $422 | $0 | $422 | 3.42% |
| TOMPKINS INS AGENCY3 | 90 MAIN ST BATAVIA, NY 14020 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $863 | $0 | $863 | 7.74% |
| TOMPKINS INS AGENCY3 | 90 MAIN ST BATAVIA, NY 14020 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $883 | $0 | $883 | 7.93% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $976 | $488 | $1K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $964 | $482 | $1K | 15.00% |
| TOMPKINS INS AGENCY3 | 90 MAIN ST BATAVIA, NY 14020 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.60% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $572 | $286 | $858 | 14.99% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $378 | $189 | $567 | 15.01% |
| TOMPKINS INS AGENCY3 | 90 MAIN ST BATAVIA, NY 14020 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $343 | $0 | $343 | 15.02% |
| TOMPKINS INS AGENCY3 | 90 MAIN ST BATAVIA, NY 14020 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11 | $0 | $11 | 4.98% |
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 | 126 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 239 | $66K |
| Vision | VISION BENEFITS OF AMERICA | 106 | $12K |
| Life insurance(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $23K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $21K |
| Long-term disability(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 131 | $15K |
| Other(5 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 131 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.