| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY ST. HARRISONBURG, VA 22801 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 8.16% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35, STE. 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 5.63% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS ROAD LEESBURG, VA 20176 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 4.28% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 A SOUTH LIBERTY ST. HARRISONBURG, VA 228010191 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.63% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 299 | $76K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 299 | $76K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 153 | $138K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 153 | $138K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 153 | $138K |
| Other | HARTFORD LIFE AND ACCIDENT | 153 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.