| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | — | $17K | $17K | 6.21% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY ST. HARRISONBURG, VA 22801 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 3.95% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 S. LIBERTY STREET HARRISONBURG, VA 22801 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | $16K | — | $16K | 7.64% |
| LONA BISHOP3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 12.55% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.01% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $289 | — | $289 | 1.68% |
| BH PREFERRED LLC3 | 2817 WEST END AVE., SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $119 | — | $119 | 0.69% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR. MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $98 | — | $98 | 0.57% |
| LONA BISHOP3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 12.40% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRIONSBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 11.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $118 | — | $118 | 0.93% |
| BH PREFERRED LLC3 | 2817 WEST END AVE., SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $98 | — | $98 | 0.77% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR. MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | — | $72 | 0.57% |
| LONA BISHOP3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $866 | — | $866 | 9.88% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $688 | — | $688 | 7.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $173 | — | $173 | 1.97% |
| BH PREFERRED LLC3 | 2817 WEST END AVE., SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 0.55% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR. MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 0.52% |
| LONA BISHOP3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $856 | — | $856 | 10.94% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $680 | — | $680 | 8.69% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $176 | — | $176 | 2.25% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR. MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.54% |
| BH PREFERRED LLC3 | 2817 WEST END AVE., SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $42 | — | $42 | 0.54% |
| LONA BISHOP3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $750 | — | $750 | 11.22% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $615 | — | $615 | 9.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $134 | — | $134 | 2.00% |
| BH PREFERRED LLC3 | 2817 WEST END AVE., SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 0.60% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR. MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.57% |
| LONA BISHOP3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $768 | — | $768 | 15.32% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $689 | — | $689 | 13.74% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $74 | — | $74 | 1.48% |
| BH PREFERRED LLC3 | 2817 WEST END AVE., SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | — | $55 | 1.10% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR. MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.98% |
| LONA BISHOP3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 20.70% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $958 | — | $958 | 19.38% |
| BH PREFERRED LLC3 | 2817 WEST END AVE., SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $75 | — | $75 | 1.52% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR. MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | — | $63 | 1.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 1.07% |
| LONA BISHOP3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $330 | — | $330 | 6.96% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $214 | — | $214 | 4.52% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $117 | — | $117 | 2.47% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR. MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.42% |
| BH PREFERRED LLC3 | 2817 WEST END AVE., SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | — | $16 | 0.34% |
| LONA BISHOP3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $293 | — | $293 | 15.57% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $266 | — | $266 | 14.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 7701 AIRPORT CENTER DRIVE SUITE 1800 GREENSBORO, NC 274099047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 1.17% |
| BH PREFERRED LLC3 | 2817 WEST END AVE., SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21 | — | $21 | 1.12% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR. MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $18 | — | $18 | 0.96% |
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 | 445 | 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) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 553 | $205K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 553 | $205K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 445 | $266K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 445 | $266K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 445 | $266K |
| Other(13 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 445 | $348K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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."
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.