| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAYMAN DIENER & BORNTRAGER INS3 | 205 S LIBERTY ST HARRISONBURG, VA 228013638 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $3K | $8K | 8.83% |
| DEAN B GRIFFITH3 Filed as: DEAN GRIFFITH | 510 WINDY RIDGE RD FRONT ROYAL, VA 22630 | AFLAC | $675 | $9 | $684 | 3.50% |
| SUSAN WILLIAMS3 | 510 WINDY RIDGE RD FRONT ROYAL, VA 22630 | AFLAC | $317 | $6 | $323 | 1.65% |
| JAMES A TAFT JR3 Filed as: JAMES TAFT JR | 573 CANE RUN ST HARRODSBURG, KY 40330 | AFLAC | $148 | — | $148 | 0.76% |
| MILLER WILLIAMS JR3 | 1640 W COMMONWEALTH DR FRONT ROYAL, VA 22630 | AFLAC | $113 | — | $113 | 0.58% |
| JAMES ZOMBRO3 | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $107 | $3 | $110 | 0.56% |
| LARRY W SHOWALTER3 | 2515 EAST MARKET ST SUITE E HARRISONBURG, VA 22801 | AFLAC | $76 | — | $76 | 0.39% |
| BOYD GLOVER JR3 | 69 MOORCLIFFE LN VERONA, VA 24482 | AFLAC | $68 | — | $68 | 0.35% |
| BONNIE TAFT3 | 573 CANE RUN ST HARRODSBURG, KY 40330 | AFLAC | $65 | — | $65 | 0.33% |
| ROBERT CARTER3 | 95 BERKSHIRE DR FALLING WATERS, WV 25419 | AFLAC | $53 | — | $53 | 0.27% |
| ROBERT LONG3 | 308 CIRCLE VIEW ROAD LURAY, VA 22835 | AFLAC | $50 | — | $50 | 0.26% |
| MARK WARE3 | 310 SHOREWOOD DRIVE MINERAL, VA 23117 | AFLAC | $41 | — | $41 | 0.21% |
| ESTATE OF GEORGE M BELCHER3 | 209 MOOSE LN SHENANDOAH, VA 22849 | AFLAC | $39 | — | $39 | 0.20% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS GATHRIGHT JR | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $38 | — | $38 | 0.19% |
| DAVID MORGAN3 | 906 MERCHANT LEE PLACE MANAKIN SABOT, VA 23103 | AFLAC | $31 | — | $31 | 0.16% |
| DANA J A NORRIS3 Filed as: DANA NORRIS | 4900 ZEPP RD MAURERTOWN, VA 22644 | AFLAC | $27 | $3 | $30 | 0.15% |
| TOMMY MCKEE3 | 5013 FOREST OAKS DR LAS VEGAS, NV 89149 | AFLAC | $27 | — | $27 | 0.14% |
| THOMAS ROBINSON3 | 81 COTTAGE CT GORDONSVILLE, VA 22942 | AFLAC | $17 | — | $17 | 0.09% |
| CHERYL D DAVENPORT3 Filed as: CHERYL DAVENPORT | PO BOX 700145 SAN ANTONIO, TX 78270 | AFLAC | $12 | — | $12 | 0.06% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $8 | — | $8 | 0.04% |
| RICHARD KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $6 | — | $6 | 0.03% |
| GREGORY D HILL3 Filed as: GREGORY HILL | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $6 | — | $6 | 0.03% |
| MICHAEL GLOVER3 | 1262 HADEN PLACE CROZET, VA 22932 | AFLAC | $4 | — | $4 | 0.02% |
| JAMES BOYD GLOVER3 Filed as: JAMES GLOVER | 1557 COMMERCE RD STE 203 VERONA, VA 24482 | AFLAC | $3 | — | $3 | 0.02% |
| TERRY SILVERS3 | 100 GREENLEAF DR FLAT ROCK, NC 28731 | AFLAC | $3 | — | $3 | 0.02% |
| THOMAS E HATCHER JR3 Filed as: THOMAS HATCHER JR | 1588 BAYTREE DRIVE HARRELLS, NC 28444 | AFLAC | $3 | — | $3 | 0.02% |
| DANNY ROSE3 | 150 HAZEL LANE CAPON BRIDGE, WV 26711 | AFLAC | $2 | — | $2 | 0.01% |
| THOMAS TAYLOR3 | 298 MAUNEY RD BLAIRSVILLE, GA 30512 | AFLAC | $2 | — | $2 | 0.01% |
| EMILY JORDAN3 | PO BOX 514 FRONT ROYAL, VA 22630 | AFLAC | $1 | — | $1 | 0.01% |
| TRACY DAVIS MYERS3 Filed as: TRACY MYERS | 18201 EATON HOLLOW LN BROADWAY, VA 22815 | AFLAC | $1 | — | $1 | 0.01% |
| RONALD HEVENER3 | 1146 ADIAL ROAD FABER, VA 22938 | AFLAC | $1 | — | $1 | 0.01% |
| AMELIA MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $1 | — | $1 | 0.01% |
| MARK D LUTHER3 Filed as: MARK LUTHER | 300 LOOP RD SHERWOOD, AR 72120 | AFLAC | $1 | — | $1 | 0.01% |
| CHRISTOPHER PARSONS3 | 1925 CUBA LN HAYES, VA 23072 | AFLAC | $1 | — | $1 | 0.01% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $999 | — | $999 | 30.05% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $949 | — | $949 | 28.55% |
| BH PREFERRED LLC3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | — | $54 | 1.62% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $461 | — | $461 | 25.08% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $432 | — | $432 | 23.50% |
| BH PREFERRED LLC3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 1.41% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $607 | — | $607 | 35.01% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $565 | — | $565 | 32.58% |
| BH PREFERRED LLC3 | 2817 WEST END AVE SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 2.48% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 168 | $91K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 168 | $91K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 168 | $91K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 168 | $91K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 168 | $91K |
| Other(4 contracts, 2 carriers) | AFLAC | 23 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.