| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIST INSURANCE LLC3 | 1240 BROADCASTING ROAD P.O. BOX 6707 WYOMISSING, PA 19610 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 9.03% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES,INC. | 90 MAIN STREET BATAVIA, NY 140202109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.13% |
| VIST INSURANCE LLC3 Filed as: VIST INSURANCE, LLC | 1240 BROADCASTING ROAD P.O. BOX 6707 WYOMISSING, PA 19610 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26K | — | $26K | 12.72% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 140202109 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $4K | $11K | 5.45% |
| JAMES W. MOORADIAN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $50 | $19 | $69 | 0.03% |
| BRANDON GEOFFREY CASTEN3 | 301 W. PLATT STREET SUITE A TAMPA, FL 33606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| CHRISTOPHER M. ALLEN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 90 MAIN STREET BATAVIA, NY 140202109 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.86% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 140202109 | VISION SERVICE PLAN | $2K | — | $2K | 3.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 601 WALNUT STREET, SUITE 805 PHILADELPHIA, PA 191067042 | FOUR EVER LIFE INSURANCE COMPANY | $5K | — | $5K | 8.00% |
| AMERIHEALTH ADMINISTRATORS INC0 Filed as: INDEPENDENCE BLUE CROSS | 1901 MARKET STREET, 10TH FLOOR PHILADELPHIA, PA 19103 | FOUR EVER LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 140202109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $625 | $8K | 15.15% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 140202109 | FEDERAL INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| VIST INSURANCE LLC3 Filed as: VIST INSURANCE, LLC | 1240 BROADCASTING ROAD P.O. BOX 6707 WYOMISSING, PA 19610 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | — | $3K | 14.59% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 140202109 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $453 | $420 | $873 | 3.68% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 90 MAIN STREET BATAVIA, NY 140202109 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 18.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF PA | 601 WALNUT STREET, SUITE 805 PHILADELPHIA, PA 191067042 | FOUR EVER LIFE INSURANCE COMPANY | $581 | — | $581 | 14.99% |
| AMERIHEALTH ADMINISTRATORS INC0 Filed as: INDEPENDENCE BLUE CROSS | 1901 MARKET STREET, 10TH FLOOR PHILADELPHIA, PA 19103 | FOUR EVER LIFE INSURANCE COMPANY | $0 | $155 | $155 | 4.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | FIRST UNUM LIFE INSURANCE COMPANY | $347 | $29 | $376 | 15.12% |
| VIST INSURANCE LLC3 Filed as: VIST INSURANCE, LLC | 1240 BROADCASTING ROAD P.O. BOX 6707 WYOMISSING, PA 19610 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $276 | — | $276 | 12.93% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 140202109 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $91 | $70 | $161 | 7.54% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 140202109 | INDEPENDENCE ADMINISTRATORS | $305K | — | $305K | — |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES,INC. | 90 MAIN STREET BATAVIA, NY 140202109 | AMERIHEALTH ADMINISTRATORS | $1K | — | $1K | — |
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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | FOUR EVER LIFE INSURANCE COMPANY | 366 | $68K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 319 | $171K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 346 | $138K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $347K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $347K |
| Prescription drug(4 contracts, 3 carriers) | FOUR EVER LIFE INSURANCE COMPANY | 366 | $68K |
| Other(8 contracts, 6 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 366 | $699K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.