| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES, INC | 90 MAIN STREET BATAVIA, NY 14020 | STANDARD INSURANCE COMPANY | $1K | $210 | $1K | 17.84% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35, STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $369 | $216 | $585 | 7.93% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN ST BATAVIA, NY 14020 | STANDARD INSURANCE COMPANY | $1K | $210 | $1K | 17.94% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $357 | $216 | $573 | 8.02% |
| ERC OF NY, INC.3 Filed as: ERC OF NY, INC | — | UNITED CONCORDIA INSURANCE COMPANY | $312 | $86 | $398 | 6.67% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES INC | 90 MAIN ST BATAVIA, NY 14020 | STANDARD INSURANCE COMPNAY | $672 | $152 | $824 | 15.33% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPNAY | $269 | $156 | $425 | 7.91% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN ST BATAVIA, NY 14020 | STANDARD INSURANCE COMPANY | $650 | $152 | $802 | 15.43% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $260 | $156 | $416 | 8.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS. AGENCIES, INC | 90 MAIN STREET BATAVIA, NY 14020 | STANDARD INSURANCE COMPANY | $207 | $51 | $258 | 14.32% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35, STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $90 | $52 | $142 | 7.88% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES INC | 90 MAIN ST BATAVIA, NY 14020 | STANDARD INSURANCE COMPANY | $175 | $44 | $219 | 14.40% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $76 | $45 | $121 | 7.96% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN ST BATAVIA, NY 14020 | STANDARD INSURANCE COMPANY | $29 | $7 | $36 | 14.23% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $13 | $7 | $20 | 7.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $6K |
| TOMPKINS INSURANCE EIN 83-0389955 BROKER | Insurance agents and brokers Service code 22 | — | $3K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $694 |
| CAPITAL BLUECROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | -$42 |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 0 | $6K |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 20 | $3K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPNAY | 20 | $11K |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 20 | $15K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 13 | $67K |
| Other | STANDARD INSURANCE COMPANY | 20 | $253 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20 | — |
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.