| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAYMAN DIENER & BORNTRAGER INS3 Filed as: LAYMAN DIENER & BORNTRAGER | 205A SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $18K | 14.81% |
| DEAN B GRIFFITH3 | 510 WINDY RIDGE RD. FRONT ROYAL, VA 22630 | AFLAC | $365 | — | $365 | 3.38% |
| SUSAN L WILLIAMS3 | 510 WINDY RIDGE RD. FRONT ROYAL, VA 22630 | AFLAC | $119 | — | $119 | 1.10% |
| JAMES A TAFT JR3 | 573 CANE RUN ST. HARRODSBURG, KY 40330 | AFLAC | $112 | — | $112 | 1.04% |
| MILLER WILLIAMS JR3 | 1640 W. COMMONWEALTH DR. FRONT ROYAL, VA 22630 | AFLAC | $98 | — | $98 | 0.91% |
| BOYD GLOVER JR3 Filed as: BOYD M GLOVER JR | 69 MOORCLIFFE LN. VERONA, VA 24482 | AFLAC | $61 | — | $61 | 0.57% |
| BONNIE L TAFT3 | 573 CANE RUN ST. HARRODSBURG, KY 40330 | AFLAC | $55 | — | $55 | 0.51% |
| ROBERT B LONG3 | 308 CIRCLE VIEW ROAD LURAY, VA 22835 | AFLAC | $50 | — | $50 | 0.46% |
| LEWIS K GATHRIGHT JR3 | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $37 | — | $37 | 0.34% |
| MARK WARE3 | 310 SHOREWOOD DRIVE MINERAL, VA 23117 | AFLAC | $36 | — | $36 | 0.33% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES C ZOMBRO | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $26 | — | $26 | 0.24% |
| THOMAS ROBINSON3 Filed as: THOMAS H ROBINSON | 81 COTTAGE CT. GORDONSVILLE, VA 22942 | AFLAC | $17 | — | $17 | 0.16% |
| DANA J A NORRIS3 | 4900 ZEPP RD. MAURERTOWN, VA 22644 | AFLAC | $16 | — | $16 | 0.15% |
| DAVID N MORGAN3 | 240 BEVERLY HILLS CIR. APT 532 LYNCHBURG, VA 24502 | AFLAC | $15 | — | $15 | 0.14% |
| TOMMY LEON MCKEE3 | 5013 FOREST OAKS DR. LAS VEGAS, NV 89149 | AFLAC | $14 | — | $14 | 0.13% |
| ROBERT CARTER3 Filed as: ROBERT P CARTER | 95 BERKSHIRE DR. FALLING WATERS, WV 25419 | AFLAC | $11 | — | $11 | 0.10% |
| CHERYL D DAVENPORT3 | 2731 NE 14TH STREET CSWY. APT. 903A POMPANO BEACH, FL 33062 | AFLAC | $6 | — | $6 | 0.06% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL. MIDLOTHIAN, VA 23113 | AFLAC | $6 | — | $6 | 0.06% |
| DUANE A ADAMS3 | 493 BAILEY DR. LOUISA, VA 23093 | AFLAC | $4 | — | $4 | 0.04% |
| RICHARD J KRESINSKE3 | 4004 ATLANTIC AVE. APT. 803 VIRGINIA BEACH, VA 23451 | AFLAC | $3 | — | $3 | 0.03% |
| THOMAS E HATCHER JR3 | 1588 BAYTREE DRIVE HARRELLS, NC 28444 | AFLAC | $2 | — | $2 | 0.02% |
| DANNY W ROSE3 | 300 LILYS WAY WINCHESTER, VA 22602 | AFLAC | $2 | — | $2 | 0.02% |
| CHRISTOPHER PARSONS3 | 1925 CUBA LN. HAYES, VA 23072 | AFLAC | $1 | — | $1 | 0.01% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $122K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $122K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $122K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $122K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $122K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.