| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAYMAN DIENER & BORNTRAGER INS3 Filed as: LAYMAN DIENER BORNTRAGER INS AGENCY | 205 S. LIBERTY STREET HARRISONBURG, VA 22801 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $39K | — | $39K | 4.20% |
| JOHN DOVE3 | 2381 AVALON WOODS DRIVE HARRISONBURH, VA 22801 | AFLAC | $11K | $11 | $11K | 11.20% |
| RICHARD CHAPMAN3 | 44073 PIEROSA TER CHANTILLY, VA 20152 | AFLAC | $3K | $39 | $3K | 3.58% |
| RUTH P YOUNG3 Filed as: RUTH YOUNG | 677 BERKMAR CT CHARLOTTESVILLE, VA 22901 | AFLAC | $3K | — | $3K | 3.00% |
| FLORENCE A ADAMS3 | PO BOX 54 PRATTS, VA 22731 | AFLAC | $3K | — | $3K | 2.81% |
| ANGELA T ADAMS3 | PO BOX 495 MADISON, VA 22727 | AFLAC | $2K | $10 | $2K | 2.36% |
| SUSAN N ADAMS3 | 1015 W BROAD ST GLEN ALLEN, VA 23060 | AFLAC | $1K | — | $1K | 1.40% |
| CODY MOSS3 Filed as: CODY LEE MOSS | 2203 GLENMORE RD SCOTTSVILLE, VA 24592 | AFLAC | $670 | — | $670 | 0.71% |
| EDWARD SIMS3 Filed as: EDWARD OWENS | PO BOX 946 SOUTH BOSTON, VA 24592 | AFLAC | $515 | — | $515 | 0.54% |
| KIMBERLY ROBERTSON3 Filed as: KIMBERLY DAWN ROBERTSON | 4805 LAKE BROOK DR STE 220 GLEN ALLEN, VA 24502 | AFLAC | $451 | $6 | $457 | 0.48% |
| JODI HUDSON3 | 205 WIGGINGTON RD LYNCHBURG, VA 24502 | AFLAC | $430 | — | $430 | 0.45% |
| BRENDA BLUNT3 | 1021 COUNTY PARK PL RICHMOND, VA 23223 | AFLAC | $373 | — | $373 | 0.39% |
| ANGELA DUNN3 | 3750 CRAB ORCHARD RD KEYSVILLE, VA 23947 | AFLAC | $293 | — | $293 | 0.31% |
| CHARITY HARRIS3 | 305 SUNCHASE BLVD APT M FARMVILLE, VA 23901 | AFLAC | $282 | — | $282 | 0.30% |
| GENIA ANNE TENCH3 | 804 MOOREFIELD PARK DR STE 108 RICHMOND, VA 23236 | AFLAC | $244 | — | $244 | 0.26% |
| SUSAN N ADAMS3 | 4104 E PARHAM RD STE A RICHMOND, VA 23228 | AFLAC | $242 | — | $242 | 0.25% |
| TIMOTHY COTTEN3 Filed as: TIMOTHY C COTTEN | 16323 BEAVER DAM RD MONTPELIER, VA 23192 | AFLAC | $213 | — | $213 | 0.22% |
| DEANNA LOVEGREEN3 | 79 HANEY RD RUCKERSVILLE, VA 22923 | AFLAC | $193 | — | $193 | 0.20% |
| ROGERS BENEFIT GROUP INC3 Filed as: SAMANTHA ROGERS | 4453 HAMM RD BARBOURSVILLE, VA 22923 | AFLAC | $168 | $2 | $170 | 0.18% |
| BRYCE LINDLEY3 | 88 YARMOUTH RD STUARTS DRAFT, VA 24477 | AFLAC | $102 | $3 | $105 | 0.11% |
| LUIS GUTIERREZ3 | 6946 FREDERICKSBURG RD BARBOURSVILLE, VA 22923 | AFLAC | $82 | $1 | $83 | 0.09% |
| OLIVIA LAMAR3 | 1 WASHINGTON CIR MADISON, VA 22727 | AFLAC | $79 | — | $79 | 0.08% |
| RASHAD BYERS3 | 3326 DOGWOOD DR PALMYRA, VA 22963 | AFLAC | $68 | — | $68 | 0.07% |
| ROBERT PICKETT3 | 262 UNION CHURCH RD CHURCHVILLE, VA 24421 | AFLAC | $65 | $3 | $68 | 0.07% |
| BRANDON SHUMAKER3 | 2655 OLD TOWER HILL ROAD DILLWYN, VA 23936 | AFLAC | $59 | — | $59 | 0.06% |
| SAMUEL DAANE3 Filed as: SAMUEL DANNE | 943 GLENWOOD STATION LN STE 302 CHARLOTTESVILLE, VA 22901 | AFLAC | $52 | — | $52 | 0.05% |
| BROOKE TALLEY3 | PO BOX 11 NORTH GARDEN, VA 22959 | AFLAC | $20 | $1 | $21 | 0.02% |
| LESLIE I DRAPER3 | 201 WIGGINGTON RD LYNCHBURG, VA 24502 | AFLAC | $18 | — | $18 | 0.02% |
| KENNETH BAILEY3 | 2121 MT TORREY RD LYNDHURST, VA 22952 | AFLAC | $17 | — | $17 | 0.02% |
| ASHLEY MOSS3 | 2203 GLENMORE RD SCOTTSVILLE, VA 24590 | AFLAC | $13 | — | $13 | 0.01% |
| SANDY J RYAN3 | PO BOX 67 LOVETTSVILLE, VA 20180 | AFLAC | $9 | — | $9 | 0.01% |
| INSURANCE MARKETPLACE LLC3 Filed as: INSURANCE MARKETPLACE INC | 4401 FAIR LAKES CT STE 304 FAIRFAX, VA 22033 | AFLAC | $7 | — | $7 | 0.01% |
| JEREMY HOELKER3 | 10400 EATON PL STE 400 FAIRFAX, VA 22030 | AFLAC | $3 | — | $3 | 0.00% |
| LAYMAN DIENER & BORNTRAGER INS3 Filed as: LAYMAN DIENER BORNTRAGER INS AGENCY | 205 S. LIBERTY STREET HARRISONBURG, VA 22801 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.60% |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 59 | $927K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 240 | $80K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 240 | $80K |
| Other | AFLAC | 221 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.