| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES,INC. | 90 MAIN STREET BATAVIA, NY 140202109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $489 | $9 | $498 | 0.11% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$5K | -$564 | -$5K | -1.16% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 140202109 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $33K | $3K | $35K | 17.34% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.64% |
| JAMES W. MOORADIAN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $38 | $39 | $77 | 0.04% |
| CHRISTOPHER M. ALLEN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| BRANDON GEOFFREY CASTEN3 | 301 W. PLATT STREET SUITE A TAMPA, FL 33606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSUTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $1K | — | $1K | 1.37% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - RADNOR | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$417 | -$35 | -$452 | -0.98% |
| TOMPKINS INS AGENCY3 Filed as: TOMPKINS INSURANCE AGENICES, INC. | 90 MAIN STREET BATAVIA, NY 140202109 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $6K | $331 | $6K | 17.57% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $549 | — | $549 | 1.56% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES INC | 90 MAIN STREET BATAVIA, NY 140202109 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.95% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $48 | $1K | 3.75% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16 | $16 | 0.05% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $48 | $3K | 9.63% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC. | 90 MAIN STREET BATAVIA, NY 140202109 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 3.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8 | $8 | 0.02% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | HYATT LEGAL PLANS | $953 | — | $953 | 4.93% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES INC | 90 MAIN STREET BATAVIA, NY 14020 | HYATT LEGAL PLANS | $818 | — | $818 | 4.23% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | FOUR EVER LIFE INSURANCE COMPANY | $1K | — | $1K | 8.00% |
| AMERIHEALTH ADMINISTRATORS INC0 Filed as: INDEPENDENCE BLUE CROSS | 1901 MARKET STREET, 10TH FLOOR PHILADELPHIA, PA 19103 | FOUR EVER LIFE INSURANCE COMPANY | — | $697 | $697 | 4.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 29840 NETWORK PLACE CHICAGO, IL 60673 | 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% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 140202109 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $721 | $24 | $745 | 18.50% |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | FOUR EVER LIFE INSURANCE COMPANY | 4 | $24K |
| Dental | FOUR EVER LIFE INSURANCE COMPANY | 4 | $17K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 348 | $103K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 360 | $436K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 360 | $436K |
| Prescription drug(2 contracts) | FOUR EVER LIFE INSURANCE COMPANY | 4 | $24K |
| Other(9 contracts, 6 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 433 | $859K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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.