| 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 | $9K | — | $9K | 10.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, STE. 368 BELMAR, NJ 07719 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.00% |
| DEAN B GRIFFITH3 Filed as: DEAN GRIFFITH | 510 WINDY RIDGE RD. FRONT ROYAL, VA 22630 | AFLAC | $275 | — | $275 | 2.93% |
| SUSAN WILLIAMS3 | 510 WINDY RIDGE RD. FRONT ROYAL, VA 22630 | AFLAC | $110 | — | $110 | 1.17% |
| MILLER WILLIAMS JR3 | 1640 W. COMMONWEALTH DR. FRONT ROYAL, VA 22630 | AFLAC | $92 | — | $92 | 0.98% |
| JAMES A TAFT JR3 Filed as: JAMES TAFT JR | 573 CANE RUN ST. HARRODSBURG, KY 40330 | AFLAC | $85 | — | $85 | 0.91% |
| BOYD GLOVER JR3 | 69 MOORCLIFFE LN. VERONA, VA 24482 | AFLAC | $54 | — | $54 | 0.58% |
| ROBERT LONG3 | 308 CIRCLE VIEW ROAD LURAY, VA 22835 | AFLAC | $50 | — | $50 | 0.53% |
| BONNIE TAFT3 | 573 CANE RUN ST. HARRODSBURG, KY 40330 | AFLAC | $41 | — | $41 | 0.44% |
| LEWIS K GATHRIGHT JR3 Filed as: LEWIS GATHRIGHT JR | PO BOX 165 GOOCHLAND, VA 23063 | AFLAC | $37 | — | $37 | 0.39% |
| MARK WARE3 | 310 SHOREWOOD DR. MINERAL, VA 23117 | AFLAC | $31 | — | $31 | 0.33% |
| JAMES ZOMBRO3 | 625 COUNTY ROAD 106 FLORENCE, AL 35633 | AFLAC | $21 | — | $21 | 0.22% |
| THOMAS ROBINSON3 | 81 COTTAGE CT. GORDONSVILLE, VA 22942 | AFLAC | $17 | — | $17 | 0.18% |
| DAVID N MORGAN3 Filed as: DAVID MORGAN | 240 BEVERLY HILLS CIR., APT 532 LYNCHBURG, VA 24502 | AFLAC | $15 | — | $15 | 0.16% |
| ESTATE OF TOMMY LEON MCKEE3 | 5013 FOREST OAKS DR. LAS VEGAS, NV 89149 | AFLAC | $14 | — | $14 | 0.15% |
| ROBERT CARTER3 | 95 BERKSHIRE DR. FALLING WATERS, WV 25419 | AFLAC | $11 | — | $11 | 0.12% |
| DANA J A NORRIS3 Filed as: DANA NORRIS | 4900 ZEPP RD. MAURERTOWN, VA 22644 | AFLAC | $9 | — | $9 | 0.10% |
| CHERYL D DAVENPORT3 Filed as: CHERYL DAVENPORT | 2731 NE 14TH STREET CSWY. APT. 903A POMPANO BEACH, FL 33062 | AFLAC | $6 | — | $6 | 0.06% |
| GREGORY D HILL3 Filed as: GREGORY HILL | 16142 SWALLOWTAIL PL. MIDLOTHIAN, VA 23113 | AFLAC | $5 | — | $5 | 0.05% |
| DUANE A ADAMS3 Filed as: DUANE ADAMS | 493 BAILEY DR. LOUISA, VA 23093 | AFLAC | $4 | — | $4 | 0.04% |
| RICHARD KRESINSKE3 | 4004 ATLANTIC AVE., APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $3 | — | $3 | 0.03% |
| DANNY ROSE3 | 300 LILYS WAY WINCHESTER, VA 22602 | AFLAC | $2 | — | $2 | 0.02% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $90K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $90K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $90K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $90K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $90K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.