| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 90 MAIN ST BATAVIA, NY 14020 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 10.78% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $604 | $472 | $1K | 5.76% |
| STEPHEN BRUNNER3 | PO BOX 6707 READING, PA 19610 | UNITED HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| AMANDA L UNGER3 | 2500 ELMERTON AVE HARRISBURG, PA 17110 | UNITED HERITAGE LIFE INSURANCE COMPANY | $255 | $0 | $255 | 3.59% |
| FRANCIS OSCILOWSKI3 Filed as: FRANCIS P OSCILOWSKI | PO BOX 774232 HARRISBURG, PA 17177 | UNITED HERITAGE LIFE INSURANCE COMPANY | $100 | $0 | $100 | 1.41% |
| STEPHEN BRUNNER3 | PO BOX 6707 READING, PA 19610 | UNITED HERITAGE LIFE INSURANCE COMPANY | $400 | $0 | $400 | 9.23% |
| AMANDA L UNGER3 | 2500 ELMERTON AVE HARRISBURG, PA 17110 | UNITED HERITAGE LIFE INSURANCE COMPANY | $155 | $0 | $155 | 3.58% |
| FRANCIS OSCILOWSKI3 Filed as: FRANCIS P OSCILOWSKI | PO BOX 774232 HARRISBURG, PA 17177 | UNITED HERITAGE LIFE INSURANCE COMPANY | $62 | $0 | $62 | 1.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOMPKINS INSURANCE EIN 83-0389955 BROKER | Insurance agents and brokers Service code 22 | — | $13K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $10K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $2K |
| CAPITAL BLUECROSS EIN 23-0455154 ADMIN | Claims processing Service code 12 | — | -$204 |
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 | 42 | 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) | 42 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 43 | $19K |
| Life insurance | UNITED HERITAGE LIFE INSURANCE COMPANY | 41 | $4K |
| Long-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 41 | $7K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 42 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 43 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.