| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN STREET BATAVIA, NY 14020 | EXCELLUS BLUECROSS BLUESHIELD | $36K | $0 | $36K | 4.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 777 CANAL VIEW BLVD STE. 100 ROCHESTER, NY 14623 | EXCELLUS BLUECROSS BLUESHIELD | $2K | $0 | $2K | 0.26% |
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN ST BATAVIA, NY 14020 | EXCELLUS BLUE CROSS BLUE SHIELD | $5K | $0 | $5K | 7.79% |
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN ST. BATAVIA, NY 14020 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 9.38% |
| 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 | $0 | $239 | $239 | 1.14% |
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN ST. BATAVIA, NY 14020 | THE GUARDIAN LIFE INSURANCE COMPANY | $748 | $0 | $748 | 10.00% |
| ALLIANCE ADVISORY GRP INC3 Filed as: ALLIANCE ADVISORY GRP INC. | 600 DELAWARE AVE PO BOX 1040 MERIDEN, CT 06450 | THE GUARDIAN LIFE INSURANCE COMPANY | $27 | $0 | $27 | 0.36% |
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN ST BATAVIA, NY 14020 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $311 | $0 | $311 | 12.01% |
| 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 | $0 | $29 | $29 | 1.12% |
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 | 90 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 90 | $843K |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 83 | $61K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 0 | $7K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,973 | $21K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 0 | $0 |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 90 | $843K |
| Other | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 0 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,973 | — |
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.