| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $619 | $5K | 8.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE. 35, STE. 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 6.27% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $899 | $5K | 12.04% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE. 35, STE. 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 7.55% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $797 | $7K | 16.99% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE. 35, STE. 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 7.48% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FT. EVANS RD. NE, STE. 304 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE. 35, STE. 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 7.50% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $874 | $174 | $1K | 6.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILD GROUP OF NE LLC | 2000 CHAPEL VIEW BLVD. #240 CRANSTON, RI 02920 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $262 | $262 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $172 | — | $172 | 0.99% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $315 | $2K | 12.02% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE. 35, STE. 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 7.52% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FT. EVANS RD. NE, STE. 304 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 14.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE. 35, STE. 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $973 | $973 | 6.96% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $776 | $131 | $907 | 6.49% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILD GROUP OF NE LLC | 2000 CHAPEL VIEW BLVD. #240 CRANSTON, RI 02920 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $196 | $196 | 1.40% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE. 35, STE. 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $640 | $640 | 6.28% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $510 | $104 | $614 | 6.02% |
| LAYMAN DIENER & BORNTRAGER INS3 | 20A5 S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $680 | $138 | $818 | 12.04% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE. 35, STE. 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $512 | $512 | 7.53% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 128 | $61K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 95 | $10K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $7K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 109 | $44K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $16K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.