| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LD&B INSURANCE3 | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 12.62% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 S. LIBERTY ST. HARRISONBURG, VA 22801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $836 | $71 | $907 | 10.85% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, STE. 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $418 | $418 | 5.00% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR., STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $61 | $61 | 0.73% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 S. LIBERTY ST. HARRISONBURG, VA 22801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $637 | $57 | $694 | 10.90% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, STE. 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $318 | $318 | 4.99% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR., STE. 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $49 | $49 | 0.77% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 S. LIBERTY ST. HARRISONBURG, VA 22801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $637 | $51 | $688 | 10.80% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, STE. 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $318 | $318 | 4.99% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR., STE. 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $43 | $43 | 0.68% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 109 | $170K |
| Vision | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 109 | $170K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 109 | $170K |
| Short-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 109 | $170K |
| Long-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 109 | $170K |
| Other(6 contracts, 4 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 126 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.