| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MILLEN GROUP LLC3 Filed as: MILLEN III | 7812 ROCK CRESS DR MOSELEY, VA 23120 | OPTIMA HEALTH PLAN | $18K | — | $18K | 4.03% |
| BORNTRAGER INSURANCE AGENCY3 | 205 S LIBERTY ST HARRISONBURG, VA 22801 | OPTIMA HEALTH PLAN | $4K | — | $4K | 1.00% |
| MILLEN GROUP LLC3 Filed as: MILLEN III | 7812 ROCK CRESS DR MOSELEY, VA 23120 | OPTIMA HEALTH PLAN | $3K | — | $3K | 4.01% |
| BORNTRAGER INSURANCE AGENCY3 | 205 S LIBERTY ST HARRISONBURG, VA 22801 | OPTIMA HEALTH PLAN | $725 | — | $725 | 0.99% |
| ELITE ENROLLMENT SERVICES LLC3 Filed as: ELITE ENROLLMENT SERVICES INC | PO BOX 5407 RICHMOND, VA 23220 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $11K | — | $11K | 15.91% |
| PEAK PERFORMANCE GROUP LLC3 Filed as: PEAK PERFORMANCE GROUP | 7812 ROCK CRESS DR MOSELEY, VA 23120 | UNITED CONCORDIA INSURANCE COMPANY | $3K | — | $3K | 6.33% |
| LAYMAN DIENER & BORNTRAGER INS3 Filed as: LAYMAN DIENER AND BORNTRAGER INS | 205 S LIBERTY STREET HARRISONBURG, VA 22801 | UNITED CONCORDIA INSURANCE COMPANY | $1K | — | $1K | 2.64% |
| MILLEN GROUP LLC3 | 7501 BOULDER VIEW DR 220 RICHMOND, VA 23225 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $5K | — | $5K | 10.80% |
| LAYMAN DIENER & BORNTRAGER INS3 Filed as: LAYMAN DIENER AND BORNTRAGER INS | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $1K | — | $1K | 2.80% |
| LAYMAN DIENER & BORNTRAGER INS3 Filed as: LAYMAN DIENER AND BORNTRAGER INS | 205 S LIBERTY ST HARRISONBURG, VA 22801 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $519 | — | $519 | 5.05% |
| PEAK PERFORMANCE GROUP LLC3 | 7812 ROCK CRESS DR MOSELEY, VA 23120 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $508 | — | $508 | 4.95% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES DBA USI NJ | 300 EXECUTIVE DR WEST ORANGE, NJ 07052 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $901 | — | $901 | 10.09% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 152 | $573K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 204 | $51K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 94 | $10K |
| Life insurance | BOSTON MUTUAL LIFE INSURANCE COMPANY | 155 | $71K |
| Short-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 155 | $71K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 155 | $71K |
| Prescription drug(3 contracts) | OPTIMA HEALTH PLAN | 152 | $523K |
| Other(2 contracts) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 155 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.