| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAYMAN DIENER & BORNTRAGER INS3 | 205 S LIBERTY ST HARRISONBURG, VA 228013638 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | $312 | $7K | 6.75% |
| DEAN B GRIFFITH3 | 510 WINDY RIDGE ROAD FRONT ROYAL, VA 22630 | AFLAC | $1K | $64 | $1K | 4.05% |
| SUSAN L WILLIAMS3 | 510 WINDY RIDGE ROAD FRONT ROYAL, VA 22630 | AFLAC | $573 | $40 | $613 | 1.95% |
| JAMES A TAFT JR3 | 573 CANE RUN ST HARRODSBURG, KY 40330 | AFLAC | $226 | — | $226 | 0.72% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $202 | $21 | $223 | 0.71% |
| MIL-LIN INC3 | 1640 W COMMONWEALTH DR FRONT ROYAL, VA 22630 | AFLAC | $194 | — | $194 | 0.62% |
| BOYD GLOVER JR3 Filed as: BOYD M GLOVER JR | 69 MOORCLIFFE LN VERONA, VA 24482 | AFLAC | $134 | — | $134 | 0.43% |
| GEORGE BELCHER3 | PO BOX 761 HARRISONBURG, VA 22803 | AFLAC | $111 | — | $111 | 0.35% |
| LARRY W SHOWALTER3 | 2515 EAST MARKET ST SUITE E HARRISONBURG, VA 22801 | AFLAC | $103 | — | $103 | 0.33% |
| ROBERT CARTER3 Filed as: ROBERT P CARTER | 95 BERKSHIRE DRIVE FALLING WATERS, WV 25419 | AFLAC | $101 | — | $101 | 0.32% |
| MARK WARE3 | 310 SHOREWOOD DRIVE MINERAL, VA 23117 | AFLAC | $90 | — | $90 | 0.29% |
| BONNIE L TAFT3 | 573 CANE RUN STREET HARRODSBURG, KY 40330 | AFLAC | $86 | — | $86 | 0.27% |
| LEWIS K GATHRIGHT JR3 | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $65 | — | $65 | 0.21% |
| DANA J A NORRIS3 | 4900 ZEPP RD MAURERTOWN, VA 22644 | AFLAC | $43 | $10 | $53 | 0.17% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $51 | — | $51 | 0.16% |
| ROBERT B LONG3 | 308 CIRCLE VIEW ROAD LURAY, VA 22835 | AFLAC | $50 | — | $50 | 0.16% |
| MICHAEL GLOVER3 Filed as: MICHAEL G GLOVER | 1262 HADEN PLACE CROZET, VA 22932 | AFLAC | $47 | — | $47 | 0.15% |
| JAMES BOYD GLOVER3 | 1557 COMMERCE RD STE 203 VERONA, VA 24482 | AFLAC | $34 | — | $34 | 0.11% |
| TERRY J SILVERS3 | 100 GREENLEAF DR FLAT ROCK, NC 28731 | AFLAC | $31 | — | $31 | 0.10% |
| TOMMY LEON MCKEE3 | 5013 FOREST OAKS DRIVE LAS VEGAS, NV 89149 | AFLAC | $27 | — | $27 | 0.09% |
| THOMAS ROBINSON3 Filed as: THOMAS H ROBINSON | 81 COTTAGE CT GORDONSVILLE, VA 22942 | AFLAC | $17 | — | $17 | 0.05% |
| THOMAS E HATCHER JR3 | 1588 BAYTREE DRIVE HARRELLS, NC 28444 | AFLAC | $16 | — | $16 | 0.05% |
| TRACY DAVIS MYERS3 | 18201 EATON HOLLOW LN BROADWAY, VA 22815 | AFLAC | $15 | — | $15 | 0.05% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $14 | — | $14 | 0.04% |
| RONALD B HEVENER3 | 1146 ADIAL ROAD FABER, VA 22938 | AFLAC | $13 | — | $13 | 0.04% |
| CHERYL D DAVENPORT3 | PO BOX 700145 SAN ANTONIO, TX 78270 | AFLAC | $12 | — | $12 | 0.04% |
| DANNY W ROSE3 | 150 HAZEL LANE CAPON BRIDGE, WV 26711 | AFLAC | $10 | — | $10 | 0.03% |
| RICHARD KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $9 | — | $9 | 0.03% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $8 | — | $8 | 0.03% |
| JAMES A STUART3 | 2200 EAST DOUBLEGATE DR ALBANY, GA 31707 | AFLAC | $3 | — | $3 | 0.01% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $3 | — | $3 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS H THOMPSON | 13618 LANGFORD DR MIDLOTHIAN, VA 23113 | AFLAC | $2 | — | $2 | 0.01% |
| THOMAS LEE TAYLOR3 | 298 MAUNEY RD BLAIRSVILLE, GA 30512 | AFLAC | $2 | — | $2 | 0.01% |
| MARY LEE NICHOLS3 | 151 GRANDE VIEW DR APT 35 BILOXI, MS 39531 | AFLAC | $2 | — | $2 | 0.01% |
| MARK D LUTHER3 | 804 MOOREFIELD PARK DR STE 205 NORTH CHESTERFIELD, VA 23236 | AFLAC | $2 | — | $2 | 0.01% |
| CHRISTOPHER PARSONS3 | 1925 CUBA LN HAYES, VA 23072 | 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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 116 | $99K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 116 | $99K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 116 | $99K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 116 | $99K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 116 | $99K |
| Other | AFLAC | 32 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.