| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN STREET BATAVIA, NY 14020 | EXCELLUS BLUECROSS BLUESHIELD | $47K | $0 | $47K | 4.18% |
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN ST BATAVIA, NY 14020 | EXCELLUS BLUE CROSS BLUE SHIELD | $7K | $0 | $7K | 9.01% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES, INC | 90 MAIN ST BATAVIA, NY 14020 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $3K | $0 | $3K | 10.30% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES, INC | 90 MAIN ST BATAVIA, NY 14020 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | $0 | $1K | 8.11% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES, INC | 90 MAIN ST BATAVIA, NY 14020 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $1K | $0 | $1K | 11.24% |
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN ST. BATAVIA, NY 14020 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $643 | $0 | $643 | 9.55% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES, INC | 90 MAIN ST BATAVIA, NY 14020 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $194 | $0 | $194 | 9.01% |
| TOMPKINS INSURANCE AGENCIES3 | 90 MAIN ST BATAVIA, NY 14020 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $99 | $0 | $99 | 11.96% |
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 | 105 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUECROSS BLUESHIELD | 105 | $1.1M |
| Dental | EXCELLUS BLUE CROSS BLUE SHIELD | 104 | $78K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 0 | $0 |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 0 | $24K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 0 | $40K |
| Prescription drug | EXCELLUS BLUECROSS BLUESHIELD | 105 | $1.1M |
| Other(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 0 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.