| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BB&T INSURANCE SERVICES, INC.3 Filed as: LD&B INSURANCE AGENCY INC | 205-A SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.50% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $406 | $2K | 2.25% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 202 WEST BOSCAWEN STREET WINCHESTER, VA 22601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $786 | — | $786 | 1.09% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $648 | $648 | 0.90% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 3.92% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: LD&B INSURANCE AGENCY INC | 205-A SOUTH LIBERTY STREET HARRISBURG, VA 22801 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 3.12% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: LD&B INSURANCE AGENCY INC | 205-A SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.44% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $461 | $155 | $616 | 2.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 202 WEST BOSCAWEN STREET WINCHESTER, VA 22601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $310 | — | $310 | 1.12% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $246 | $246 | 0.89% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: LD&B INSURANCE AGENCY INC | 205-A SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $494 | — | $494 | 4.62% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $186 | $61 | $247 | 2.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 202 WEST BOSCAWEN STREET WINCHESTER, VA 22601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $120 | — | $120 | 1.12% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $99 | $99 | 0.93% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: LD&B INSURANCE AGENCY INC | 205-A SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $274 | — | $274 | 4.36% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $102 | $35 | $137 | 2.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 203 WEST BOSCAWEN STREET WINCHESTER, VA 22601 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $70 | — | $70 | 1.11% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $55 | $55 | 0.87% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 100 | $46K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 100 | $46K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 66 | $72K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 41 | $11K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 96 | $28K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.