| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAYMAN DIENER & BORNTRAGER INS3 | 205 S LIBERTY ST HARRISONBURG, VA 22801 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $7K | $12K | 13.15% |
| DEAN B GRIFFITH3 | 510 WINDY RIDGE ROAD FRONT ROYAL, VA 22630 | AFLAC | $2K | $110 | $2K | 6.48% |
| SUSAN WILLIAMS3 | 510 WINDY RIDGE ROAD FRONT ROYAL, VA 22630 | AFLAC | $1K | $73 | $1K | 3.23% |
| JAMES ZOMBRO3 | 170 KENTUCKY LANE BERKELEY SPRINGS, WV 25411 | AFLAC | $384 | $37 | $421 | 1.19% |
| JAMES A TAFT JR3 Filed as: JAMES TAFT JR | 573 CANE RUN ST HARRODSBURG, KY 40330 | AFLAC | $264 | — | $264 | 0.75% |
| MIL-LIN INC3 | 1640 W COMMONWEALTH DR FRONT ROYAL, VA 22630 | AFLAC | $219 | — | $219 | 0.62% |
| ROBERT CARTER3 | 95 BERKSHIRE DRIVE FALLING WATERS, WV 25419 | AFLAC | $140 | $37 | $177 | 0.50% |
| LARRY W SHOWALTER3 | 2515 EAST MARKET ST SUITE E HARRISONBURG, VA 22801 | AFLAC | $115 | — | $115 | 0.33% |
| GEORGE BELCHER3 | PO BOX 761 HARRISONBURG, VA 22803 | AFLAC | $105 | — | $105 | 0.30% |
| BONNIE TAFT3 | 573 CANE RUN STREET HARRODSBURG, KY 40330 | AFLAC | $96 | — | $96 | 0.27% |
| MARK WARE3 | 310 SHOREWOOD DRIVE MINERAL, VA 23117 | AFLAC | $91 | — | $91 | 0.26% |
| BOYD GLOVER JR3 | 69 MOORCLIFFE LN VERONA, VA 24482 | AFLAC | $87 | — | $87 | 0.25% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS GATHRIGHT JR | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $76 | — | $76 | 0.21% |
| DANA J A NORRIS3 | 4900 ZEPP RD MAURERTOWN, VA 22644 | AFLAC | $60 | — | $60 | 0.17% |
| DAVID MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $56 | — | $56 | 0.16% |
| ROBERT LONG3 | 308 CIRCLE VIEW ROAD LURAY, VA 22835 | AFLAC | $50 | — | $50 | 0.14% |
| TERRY J SILVERS3 | 100 GREENLEAF DR FLAT ROCK, NC 28731 | AFLAC | $33 | — | $33 | 0.09% |
| TOMMY MCKEE3 | 5013 FOREST OAKS DRIVE LAS VEGAS, NV 89149 | AFLAC | $27 | — | $27 | 0.08% |
| THOMAS ROBINSON3 | 81 COTTAGE CT GORDONSVILLE, VA 22942 | AFLAC | $21 | — | $21 | 0.06% |
| MICHAEL GLOVER3 | 1262 HADEN PLACE CROZET, VA 22932 | AFLAC | $20 | — | $20 | 0.06% |
| THOMAS E HATCHER JR3 Filed as: THOMAS HATCHER JR | 1588 BAYTREE DRIVE HARRELLS, NC 28444 | AFLAC | $19 | — | $19 | 0.05% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $15 | — | $15 | 0.04% |
| DANNY ROSE3 | 150 HAZEL LANE CAPON BRIDGE, WV 26711 | AFLAC | $14 | — | $14 | 0.04% |
| RONALD HEVENER3 | 1146 ADIAL ROAD FABER, VA 22938 | AFLAC | $13 | — | $13 | 0.04% |
| CHERYL D DAVENPORT3 Filed as: CHERYL DAVENPORT | PO BOX 700145 SAN ANTONIO, TX 78270 | AFLAC | $12 | — | $12 | 0.03% |
| RICHARD KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $9 | — | $9 | 0.03% |
| GREGORY D HILL3 Filed as: GREGORY HILL | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $9 | — | $9 | 0.03% |
| JAMES A STUART3 | 2200 EAST DOUBLEGATE DR ALBANY, GA 31707 | AFLAC | $8 | — | $8 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS H THOMPSON | 13618 LANGFORD DR MIDLOTHIAN, VA 23113 | AFLAC | $5 | — | $5 | 0.01% |
| JOHN V MEYER JR LLC3 | 315 N SANDSTONE LANE BRIDGEWATER, VA 22812 | AFLAC | $4 | — | $4 | 0.01% |
| JOHN C RASCHELLA3 Filed as: JOHN RASCHELLA | 20521 TAHITIAN BLVD ESTERO, FL 33928 | AFLAC | $3 | — | $3 | 0.01% |
| AMELIA MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $3 | — | $3 | 0.01% |
| JUDY L MCCULLOUGH3 Filed as: JUDY MCCULLOUGH | PO BOX 449 FOREST, VA 24551 | AFLAC | $2 | — | $2 | 0.01% |
| CHRISTOPHER PARSONS3 | 193 BEACH ROAD POQUOSON, VA 23662 | AFLAC | $2 | — | $2 | 0.01% |
| THOMAS TAYLOR3 | 298 MAUNEY RD BLAIRSVILLE, GA 30512 | AFLAC | $2 | — | $2 | 0.01% |
| MARY LEE NICHOLS3 Filed as: MARY NICHOLS | 317 4TH ST S #276 LA CROSSE, WI 54601 | AFLAC | $2 | — | $2 | 0.01% |
| MARK D LUTHER3 Filed as: MARK LUTHER | 804 MOOREFIELD PARK DR STE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $2 | — | $2 | 0.01% |
| FRANK S WARREN3 | 112 SKYMONT DRIVE BROADWAY, VA 22815 | AFLAC | $2 | — | $2 | 0.01% |
| AUBREY W DAMRON3 Filed as: AUBREY DAMRON | 355 STONELEDGE DR ROANOKE, VA 24019 | AFLAC | $1 | — | $1 | 0.00% |
| TRAVIS B HAWKINS3 Filed as: TRAVIS HAWKINS | 761 MOSBY ST SW ABINGDON, VA 24210 | AFLAC | $1 | — | $1 | 0.00% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $94K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $94K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $94K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $94K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 128 | $94K |
| Other | AFLAC | 38 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.