| 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 | — | $6K | 5.79% |
| DEAN B GRIFFITH3 | 510 WINDY RIDGE RD. FRONT ROYAL, VA 22630 | AFLAC | $584 | — | $584 | 3.56% |
| SUSAN L WILLIAMS3 | 510 WINDY RIDGE RD. FRONT ROYAL, VA 22630 | AFLAC | $252 | — | $252 | 1.54% |
| JAMES A TAFT JR3 | 573 CANE RUN ST. HARRODSBURG, KY 40330 | AFLAC | $127 | — | $127 | 0.77% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $96 | — | $96 | 0.59% |
| MILLER WILLIAMS JR3 | 1640 W. COMMONWEALTH DR. FRONT ROYAL, VA 22630 | AFLAC | $94 | — | $94 | 0.57% |
| BOYD GLOVER JR3 Filed as: BOYD M GLOVER JR | 69 MOORCLIFFE LN. VERONA, VA 24482 | AFLAC | $66 | — | $66 | 0.40% |
| BONNIE L TAFT3 | 573 CANE RUN ST. HARRODSBURG, KY 40330 | AFLAC | $62 | — | $62 | 0.38% |
| ROBERT CARTER3 Filed as: ROBERT P CARTER | 95 BERKSHIRE DR. FALLING WATERS, WV 25419 | AFLAC | $55 | — | $55 | 0.34% |
| ROBERT B LONG3 | 308 CIRCLE VIEW ROAD LURAY, VA 22835 | AFLAC | $54 | — | $54 | 0.33% |
| LARRY W SHOWALTER3 | 2515 EAST MARKET ST. SUITE E HARRISONBURG, VA 22801 | AFLAC | $40 | — | $40 | 0.24% |
| LEWIS K GATHRIGHT JR3 | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $40 | — | $40 | 0.24% |
| MARK WARE3 | 310 SHOREWOOD DRIVE MINERAL, VA 23117 | AFLAC | $39 | — | $39 | 0.24% |
| GEORGE BELCHER3 Filed as: GEORGE M BELCHER | PO BOX 761 HARRISONBURG, VA 22803 | AFLAC | $37 | — | $37 | 0.23% |
| TOMMY LEON MCKEE3 | 5013 FOREST OAKS DR. LAS VEGAS, NV 89149 | AFLAC | $29 | — | $29 | 0.18% |
| DAVID N MORGAN3 | 1904 ELLIS DR. MAIDENS, VA 23102 | AFLAC | $22 | — | $22 | 0.13% |
| DANA J A NORRIS3 | 4900 ZEPP RD. MAURERTOWN, VA 22644 | AFLAC | $19 | — | $19 | 0.12% |
| THOMAS ROBINSON3 Filed as: THOMAS H ROBINSON | 81 COTTAGE CT. GORDONSVILLE, VA 22942 | AFLAC | $18 | — | $18 | 0.11% |
| MIL-LIN INC3 Filed as: MIL-IN INC | 1640 W. COMMONWEALTH DR. FRONT ROYAL, VA 22630 | AFLAC | $18 | — | $18 | 0.11% |
| CHERYL D DAVENPORT3 | PO BOX 700145 SAN ANTONIO, TX 78270 | AFLAC | $9 | — | $9 | 0.05% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD. STE. 103 GLEN ALLEN, VA 23059 | AFLAC | $6 | — | $6 | 0.04% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL. MIDLOTHIAN, VA 23113 | AFLAC | $6 | — | $6 | 0.04% |
| RICHARD J KRESINSKE3 | 4004 ATLANTIC AVE. APT. 803 VIRGINIA BEACH, VA 23451 | AFLAC | $4 | — | $4 | 0.02% |
| THOMAS E HATCHER JR3 | 1588 BAYTREE DRIVE HARRELLS, NC 28444 | AFLAC | $2 | — | $2 | 0.01% |
| DANNY W ROSE3 | 150 HAZEL LANE CAPON BRIDGE, WV 26711 | AFLAC | $2 | — | $2 | 0.01% |
| CHRISTOPHER PARSONS3 | 1925 CUBA LN. HAYES, VA 23072 | AFLAC | $2 | — | $2 | 0.01% |
| THOMAS LEE TAYLOR3 | 43 EARNEST DR. BLAIRSVILLE, GA 30512 | AFLAC | $1 | — | $1 | 0.01% |
| AMELIA MORGAN3 Filed as: AMELIA K MORGAN | 1904 ELLIS DR. MAIDENS, VA 23102 | AFLAC | $1 | — | $1 | 0.01% |
| MARK D LUTHER3 | 300 LOOP RD. SHERWOOD, AR 72120 | 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 | $754 | — | $754 | 16.27% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $716 | — | $716 | 15.45% |
| BH PREFERRED LLC3 | 2817 WEST END AVE. SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 0.95% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $425 | — | $425 | 17.42% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $395 | — | $395 | 16.19% |
| BH PREFERRED LLC3 | 2817 WEST END AVE. SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | — | $25 | 1.02% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP | PO BOX 11229 COLUMBIA, SC 29211 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $258 | — | $258 | 16.70% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $239 | — | $239 | 15.47% |
| BH PREFERRED LLC3 | 2817 WEST END AVE. SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 1.29% |
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 | 117 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $102K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $102K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $102K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $102K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $102K |
| Other(4 contracts, 2 carriers) | AFLAC | 22 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.