| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN ST BATAVIA, NY 14020 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $23K | — | $23K | 0.63% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE | 90 MAIN ST BATAVIA, NY 14020 | DELTA DENTAL | $2K | — | $2K | 1.84% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE | 90 MAIN ST BATAVIA, NY 14020 | SUN LIFE AND HEALTH INSURANCE CO | $12K | — | $12K | 13.51% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE | 90 MAIN ST BATAVIA, NY 14020 | DAVIS VISION | $226 | — | $226 | 1.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC | 90 MAIN ST BATAVIA, NY 14020 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 21.74% |
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 | 327 | 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) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 327 | $3.6M |
| Dental | DELTA DENTAL | 322 | $116K |
| Vision | DAVIS VISION | 331 | $23K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE CO | 449 | $104K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE CO | 449 | $104K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE CO | 327 | $936K |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE CO | 449 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.