| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN ST BATAVIA, NY 14020 | UNITEDHEALTHCARE INSURANCE COMPANY | $811 | $45K | $46K | 3.91% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS GROUP, INC. | 125 E. ELM ST, STE. 210 CONSHOHOCKEN, PA 19428 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 8.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PENNSYLVANIA LP | 601 WALNUT ST, STE. 805 PHILADELPHIA, PA 19106 | SUN LIFE ASSURANCE COMPANY OF CANADA | $824 | $0 | $824 | 0.97% |
| ALPHA BENEFITS GROUP INC3 Filed as: ALPHA BENEFITS GROUP, INC. | 949 EASTON ROAD STE. 200 WARRINGTON, PA 18976 | GUARDIAN LIFE INSURANCE COMPANY | $2K | $1K | $4K | 15.46% |
| FINANCIAL BALANCE GROUP LLC3 Filed as: FINANCIAL BALANCE GROUP, LLC | 1901 RESEARCH BLVD. STE. 400 ROCKVILLE, MD 20850 | GUARDIAN LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.05% |
| STEVEN L CRAWFORD3 Filed as: STEVEN CRAWFORD | 1355 PICARD DR. S380 ROCKVILLE, MD 20850 | GUARDIAN LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 103 | 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) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 188 | $1.2M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 54 | $50K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $107K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $85K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $107K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 133 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.