| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN STREET BATAVIA, NY 14020 | EXCELLUS BLUECROSS BLUESHIELD | $23K | — | $23K | 2.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 777 CANAL VIEW BLVD STE. 100 ROCHESTER, NY 14623 | EXCELLUS BLUECROSS BLUESHIELD | $16K | — | $16K | 1.90% |
| USI INSURANCE SERVICES LLC3 | 777 CANAL VIEW BLVD, SUITE 100 ROCHESTER, NY 14623 | EXCELLUS BLUE CROSS BLUE SHIELD | $3K | — | $3K | 5.02% |
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN ST BATAVIA, NY 14020 | EXCELLUS BLUE CROSS BLUE SHIELD | $3K | — | $3K | 4.55% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 220 SALINA MEADOWS PKWY, STE 210 SYRACUSE, NY 13212 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 7.67% |
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN ST BATAVIA, NY 14020 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 5.61% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 220 SALINA MEADOWS PKWY, STE 210 SYRACUSE, NY 13212 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $852 | — | $852 | 5.92% |
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN ST. BATAVIA, NY 14020 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $656 | — | $656 | 4.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 530 PRESTON AVENUE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY | $377 | $339 | $716 | 8.08% |
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN ST. BATAVIA, NY 14020 | THE GUARDIAN LIFE INSURANCE COMPANY | $510 | — | $510 | 5.75% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 220 SALINA MEADOWS PKWY, STE 210 SYRACUSE, NY 13212 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $132 | — | $132 | 7.45% |
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN ST BATAVIA, NY 14020 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $81 | — | $81 | 4.57% |
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 | 88 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 80 | $831K |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 79 | $63K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 88 | $9K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 88 | $14K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 88 | $23K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 80 | $831K |
| Other | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 88 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 88 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.