| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN ST BATAVIA, NY 14020 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $16K | $0 | $16K | 9.97% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE | 90 MAIN STREET BATAVIA, NY 14020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $2K | $22K | 16.59% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSCOIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 5.10% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE | 90 MAIN STREET BATAVIA, NY 14020 | UNUM INSURANCE COMPANY | $3K | $357 | $3K | 17.05% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM INSURANCE COMPANY | $0 | $1K | $1K | 5.08% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE | 90 MAIN STREET BATAVIA, NY 14020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $198 | $3K | 16.75% |
| 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 | $792 | $792 | 5.16% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE | 90 MAIN STREET BATAVIA, NY 14020 | UNUM INSURANCE COMPANY | $2K | $157 | $2K | 16.25% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM INSURANCE COMPANY | $0 | $629 | $629 | 5.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM INSURANCE COMPANY | $0 | $445 | $445 | 5.15% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE | 90 MAIN STREET BATAVIA, NY 14020 | UNUM INSURANCE COMPANY | $133 | $182 | $315 | 3.65% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN ST BATAVIA, NY 14020 | METLIFE LEGAL PLANS | $122 | $0 | $122 | 6.98% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | 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 |
|---|---|---|---|
| Dental | CAPITAL ADVANTAGE ASSURANCE COMPANY | 272 | $156K |
| Vision | CAPITAL ADVANTAGE ASSURANCE COMPANY | 272 | $156K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $133K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $133K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $133K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.