| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS. AGENCIES INC. | P.O. BOX 6707 WYOMISSING, PA 19610 | SUN LIFE ASSURANCE COMPANY OF CANADA | $56K | — | $56K | 15.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY, SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 13.03% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS. AGENCIES INC. | P.O. BOX 6707 WYOMISSING, PA 19610 | MADISON NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 6.28% |
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 | 222 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | MADISON NATIONAL LIFE INSURANCE COMPANY | 221 | $89K |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 221 | $89K |
| Long-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 221 | $89K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 184 | $370K |
| Other | MADISON NATIONAL LIFE INSURANCE COMPANY | 221 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.