| 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 | 8.73% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $972 | $9K | 2.46% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES,INC. | 90 MAIN STREET BATAVIA, NY 140202109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.09% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 140202109 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $18K | $13K | $31K | 13.22% |
| VIST INSURANCE LLC3 Filed as: VIST INSURANCE, LLC | 1240 BROADCASTING ROAD P.O. BOX 6707 WYOMISSING, PA 19610 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23K | — | $23K | 9.85% |
| JAMES W. MOORADIAN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39 | $39 | $78 | 0.03% |
| CHRISTOPHER M. ALLEN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | — | $16 | 0.01% |
| BRANDON GEOFFREY CASTEN3 | 301 W. PLATT STREET SUITE A TAMPA, FL 33606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 140202109 | VISION SERVICE PLAN | $2K | — | $2K | 2.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 400 ATRIUM DRIVE FLOOR 5S SOMERSET, NJ 088734172 | VISION SERVICE PLAN | $217 | — | $217 | 0.24% |
| 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 | $7K | — | $7K | 8.00% |
| AMERIHEALTH ADMINISTRATORS INC0 Filed as: INDEPENDENCE BLUE CROSS | 1901 MARKET STREET, 10TH FLOOR PHILADELPHIA, PA 19103 | FOUR EVER LIFE INSURANCE COMPANY | — | $3K | $3K | 4.00% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES INC | 90 MAIN STREET BATAVIA, NY 140202109 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 38.27% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 140202109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $492 | $6K | 14.05% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RADNOR | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $417 | $35 | $452 | 0.99% |
| TOMPKINS INS AGENCY3 Filed as: TOMPKINS INSURANCE AGENICES, INC. | 90 MAIN STREET BATAVIA, NY 140202109 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | $3K | $7K | 19.63% |
| 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 | 8.64% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 90 MAIN STREET BATAVIA, NY 140202109 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 29.15% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $2 | — | $2 | 0.01% |
| 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 | $997 | — | $997 | 15.00% |
| AMERIHEALTH ADMINISTRATORS INC0 Filed as: INDEPENDENCE BLUE CROSS | 1901 MARKET STREET, 10TH FLOOR PHILADELPHIA, PA 19103 | FOUR EVER LIFE INSURANCE COMPANY | — | $266 | $266 | 4.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 555 E. LANCASTER AVENUE #300 RADNOR, PA 19087 | FEDERAL INSURANCE COMPANY | $783 | — | $783 | 15.01% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 140202109 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $362 | $2K | 67.80% |
| VIST INSURANCE LLC3 Filed as: VIST INSURANCE, LLC | 1240 BROADCASTING ROAD P.O. BOX 6707 WYOMISSING, PA 19610 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $203 | — | $203 | 6.78% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES,INC. | 90 MAIN STREET BATAVIA, NY 140202109 | AMERIHEALTH ADMINISTRATORS | $1K | — | $1K | — |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 140202109 | INDEPENDENCE ADMINISTRATORS | $307K | — | $307K | — |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | FOUR EVER LIFE INSURANCE COMPANY | 372 | $91K |
| Dental | FOUR EVER LIFE INSURANCE COMPANY | 1 | $85K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 362 | $176K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 371 | $355K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 371 | $355K |
| Prescription drug(4 contracts, 3 carriers) | FOUR EVER LIFE INSURANCE COMPANY | 372 | $91K |
| Other(8 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 383 | $756K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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.