| 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 | $3K | — | $3K | 4.66% |
| EBENEFIT MARKETPLACE, LLC3 Filed as: EBENEFIT MARKETPLACE LLC | 204 STATE ST. NORTH HAVEN, CT 06473 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE. 35 STE. 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.38% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE. 35, STE. 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $895 | $895 | 2.46% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $91 | $91 | 0.25% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35, STE. 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $618 | $618 | 2.23% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $86 | $86 | 0.31% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE. 35, STE. 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $516 | $516 | 2.32% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $52 | $52 | 0.23% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE. A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $27 | $27 | 0.27% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.10% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE. 35, STE. 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $216 | $216 | 2.16% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE. A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $86 | $86 | 1.05% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE. 35, STE. 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $214 | $214 | 2.64% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $26 | $26 | 0.32% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 2.10% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $57K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 167 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $10K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 66 | $36K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $30K |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.