| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | AETNA LIFE INSURANCE CO. | $12K | $0 | $12K | 0.49% |
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN ST BATAVIA, NY 14020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 12.50% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 35 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 9.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN ST BATAVIA, NY 14020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $194 | $3K | 11.04% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $775 | $775 | 3.40% |
| THOMPKINS INS AGENCIES INC.3 | 90 MAIN ST BATAVIA, NY 14020 | UNUM INSURANCE COMPANY | $3K | $301 | $3K | 18.12% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM INSURANCE COMPANY | $0 | $897 | $897 | 5.43% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $629 | $629 | 5.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
| TOMPKINS INSURANCE AGENCIES Filed as: TOMPKINS INSURANCE | 90 MAIN STREET BATAVIA, NY 14020 | DELTA DENTAL OF PENNSYLVANIA | — | — | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TOMPKINS INS AGENCIES INC EIN 83-0389955 BROKER | Insurance agents and brokers Service code 22 | — | $109K |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 342 | $2.5M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 0 | $0 |
| Vision | AETNA LIFE INSURANCE CO. | 342 | $2.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $40K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 44 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $40K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 162 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.