| 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. | $33K | — | $33K | 2.55% |
| LAYMAN DIENER & BORNTRAGER INS3 Filed as: LAYMAN DIENER BORNTRAGER INS AGENCY | 205A SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $11K | $3K | $14K | 1.08% |
| TIMOTHY COTTEN3 Filed as: TIMOTHY C COTTEN | 16323 BEAVER DAM RD MONTPELIER, VA 23192 | AFLAC | $5K | $16 | $5K | 5.33% |
| CODY MOSS3 Filed as: CODY LEE MOSS | 2203 GLENMORE RD SCOTTSVILLE, VA 24592 | AFLAC | $3K | $67 | $3K | 2.90% |
| BRYCE LINDLEY3 | 10 GILSTON PL FISHERVILLE, VA 22939 | AFLAC | $2K | $6 | $2K | 1.78% |
| BRYCE LINDLEY3 | 22 OAK TREE LN APT 104 STUARTS DRAFT, VA 24477 | AFLAC | $2K | $9 | $2K | 1.75% |
| ABISAI ESTRADA3 | 4265 PLANK RD NORTH GARDEN, VA 22959 | AFLAC | $979 | $3 | $982 | 0.96% |
| RICHARD CHAPMAN3 | 42444 DOGWOOD GLEN SQ STERLING, VA 20166 | AFLAC | $695 | $276 | $971 | 0.95% |
| KENNETH BAILEY3 | 2121 MT TORREY RD LYNDHURST, VA 22952 | AFLAC | $858 | $1 | $859 | 0.84% |
| LUIS GUTIERREZ3 | 11022 S CONSTITUTION RTE SCOTTSVILLE, VA 24590 | AFLAC | $844 | $1 | $845 | 0.83% |
| RUTH P YOUNG3 Filed as: RUTH YOUNG | 677 BERKMAR CT CHARLOTTESVILLE, VA 22901 | AFLAC | $562 | $271 | $833 | 0.81% |
| KIMBERLY ANN SMITH3 | 170 GREENVILLE AVE STAUNTON, VA 24401 | AFLAC | $775 | $10 | $785 | 0.77% |
| BETH DAANE3 | 2719 NORTHFIELD RD CHARLOTTESVILLE, VA 22901 | AFLAC | $711 | — | $711 | 0.69% |
| LUIS GUTIERREZ3 | 6946 FREDERICKSBURG RD BARBOURSVILLE, VA 22923 | AFLAC | $650 | $1 | $651 | 0.64% |
| SAMUEL DAANE3 Filed as: SAMUEL DANNE | 943 GLENWOOD STATION LN STE 302 CHARLOTTESVILLE, VA 22901 | AFLAC | $505 | — | $505 | 0.49% |
| FLORENCE A ADAMS3 | PO BOX 54 PRATTS, VA 22731 | AFLAC | $297 | $177 | $474 | 0.46% |
| KIMBERLY ROBERTSON3 Filed as: KIMBERLY DAWN ROBERTSON | 4805 LAKE BROOK DR STE 220 GLEN ALLEN, VA 23060 | AFLAC | $399 | $37 | $436 | 0.43% |
| SANDRA D SHIFFLETT3 | 2172 CELT RD STANARDSVILLE, VA 22973 | AFLAC | $374 | — | $374 | 0.37% |
| BROOKE TALLEY3 | PO BOX 11 NORTH GARDEN, VA 22959 | AFLAC | $309 | $3 | $312 | 0.30% |
| ANGELA T ADAMS3 | PO BOX 495 MADISON, VA 22727 | AFLAC | $95 | $149 | $244 | 0.24% |
| ROGERS BENEFIT GROUP INC3 Filed as: SAMANTHA ROGERS | 4453 HAMM RD BARBOURSVILLE, VA 22923 | AFLAC | $234 | $4 | $238 | 0.23% |
| BRENDA BLUNT3 | 1021 COUNTY PARK PL RICHMOND, VA 23223 | AFLAC | $118 | $52 | $170 | 0.17% |
| EDWARD SIMS3 Filed as: EDWARD OWENS | PO BOX 946 SOUTH BOSTON, VA 24592 | AFLAC | $144 | — | $144 | 0.14% |
| NATASHIA ANN MARTIN3 | 1350 B ST WAYNESBORO, VA 22980 | AFLAC | $103 | $6 | $109 | 0.11% |
| SUSAN N ADAMS3 | 493 BAILEY DR LOUISA, VA 23093 | AFLAC | $51 | $56 | $107 | 0.10% |
| ANGELA T ADAMS3 | PO BOX 495 MADISON, VA 22727 | AFLAC | $97 | — | $97 | 0.09% |
| SUSAN N ADAMS3 | 10015 W BROAD ST GLEN ALLEN, VA 23060 | AFLAC | $56 | — | $56 | 0.05% |
| ANGELA DUNN3 | 3750 CRAB ORCHARD RD KEYSVILLE, VA 23947 | AFLAC | $39 | $11 | $50 | 0.05% |
| GENIA ANNE TENCH3 | 804 MOOREFIELD PARK DR STE 108 RICHMOND, VA 23236 | AFLAC | $23 | $11 | $34 | 0.03% |
| SANDY J RYAN3 | PO BOX 67 LOVETTSVILLE, VA 20180 | AFLAC | $24 | — | $24 | 0.02% |
| VICKIE LOSNES3 Filed as: VICKIE Y LOSNES | 8540 GOODVIEW RD GOODVIEW, VA 24095 | AFLAC | $24 | — | $24 | 0.02% |
| TWILA D SHOWALTER3 | 2515 E MARKET ST STE E HARRISONBURG, VA 22801 | AFLAC | $23 | — | $23 | 0.02% |
| DEANNA LOVEGREEN3 | 79 HANEY RD RUCKERSVILLE, VA 22968 | AFLAC | $21 | — | $21 | 0.02% |
| INSURANCE MARKETPLACE LLC3 Filed as: INSURANCE MARKETPLACE INC | 4401 FAIR LAKES CT STE 304 FAIRFAX, VA 22033 | AFLAC | $17 | — | $17 | 0.02% |
| KENNETH BAILEY3 Filed as: KENNETH R BAILEY | 2121 MT TORREY RD LYNDHURST, VA 22952 | AFLAC | $12 | — | $12 | 0.01% |
| JEREMY HOELKER3 | 10400 EATON PL STE 400 FAIRFAX, VA 22030 | AFLAC | $9 | — | $9 | 0.01% |
| MARY L SIMMONS3 | 84 BREEZEWOOD DR STAUNTON, VA 24401 | AFLAC | $9 | — | $9 | 0.01% |
| MARK WARE3 | 310 SHOREWOOD DR MINERAL, VA 23117 | AFLAC | $8 | — | $8 | 0.01% |
| CHRISTOPHER PARSONS3 | 193 BEACH RD POQUOSON, VA 23662 | AFLAC | $7 | — | $7 | 0.01% |
| ROBERT B LONG3 Filed as: ROBERT T MONTGOMERY | 1890 IDA RD LURAY, VA 22835 | AFLAC | $7 | — | $7 | 0.01% |
| TERRY J SILVERS3 | 100 GREENLEAF DR FLAT ROCK, NC 28731 | AFLAC | $6 | — | $6 | 0.01% |
| LARRY W SHOWALTER3 | 2515 E MARKET ST STE E HARRISONBURG, VA 22801 | AFLAC | $6 | — | $6 | 0.01% |
| THOMAS E HATCHER JR3 | 1588 BAY TREE DR HARRELLS, NC 28444 | AFLAC | $5 | — | $5 | 0.00% |
| BOYD GLOVER JR3 Filed as: BOYD M GLOVER JR | 69 MOORCLIFFE LN VERONA, VA 24482 | AFLAC | $4 | — | $4 | 0.00% |
| SBHU LIFE AGENCY, INC.3 Filed as: SBHU LIFE AGENCY, INC | 200 HUDSON ST STE 201 JERSEY CITY, NJ 07311 | AFLAC | $4 | — | $4 | 0.00% |
| GEORGE BELCHER3 Filed as: GEORGE M BELCHER | PO BOX 761 HARRISONBURG, VA 22803 | AFLAC | $3 | — | $3 | 0.00% |
| INSURANCE MARKETPLACE LLC3 Filed as: INSURANCE MARKETPLACE INC | 4401 FAIR LAKES CT STE 304 FAIRFAX, VA 22033 | AFLAC | $2 | — | $2 | 0.00% |
| LESLIE I DRAPER3 | 4270 S FORK AVE HICKORY, NC 28602 | AFLAC | $1 | — | $1 | 0.00% |
| ASHLEY MOSS3 | 2203 GLENMORE RD SCOTTSVILLE, VA 24590 | AFLAC | $1 | — | $1 | 0.00% |
| SABRINA ANN PARSONS3 | PO BOX 1264 POQUOSON, VA 23662 | AFLAC | $0 | — | $0 | 0.00% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $0 | — | $0 | 0.00% |
| LAYMAN DIENER & BORNTRAGER INS3 Filed as: LAYMAN DIENER BORNTRAGER INS AGENCY | 205 S. LIBERTY STREET HARRISONBURG, VA 22801 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $5K | $9K | 11.23% |
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 | 177 | 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) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 169 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 177 | $83K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 177 | $83K |
| Other | AFLAC | 147 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.