| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY ST. HARRISONBURG, VA 22801 | HARTFORD LIFE AND ACCIDENT | $10K | $18K | $28K | 11.29% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 S. LIBERTY STREET HARRISONBURG, VA 22801 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $17K | — | $17K | 8.57% |
| LONA BISHOP3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 8.35% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $724 | — | $724 | 5.27% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | PO BOX 896620 CHARLOTTE, NC 282171964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $452 | — | $452 | 3.29% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR. MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $72 | — | $72 | 0.52% |
| BH PREFERRED LLC3 | 2817 WEST END AVE., SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 0.33% |
| LONA BISHOP3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $959 | — | $959 | 9.75% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRIONSBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $729 | — | $729 | 7.41% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | PO BOX 896620 CHARLOTTE, NC 282171964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $231 | — | $231 | 2.35% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR. MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54 | — | $54 | 0.55% |
| BH PREFERRED LLC3 | 2817 WEST END AVE., SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $51 | — | $51 | 0.52% |
| LONA BISHOP3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $672 | — | $672 | 9.64% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $471 | — | $471 | 6.76% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | PO BOX 896620 CHARLOTTE, NC 282171964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $208 | — | $208 | 2.98% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR. MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $40 | — | $40 | 0.57% |
| BH PREFERRED LLC3 | 2817 WEST END AVE., SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.46% |
| LONA BISHOP3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $373 | — | $373 | 5.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | PO BOX 896620 CHARLOTTE, NC 282171964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $279 | — | $279 | 4.10% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $120 | — | $120 | 1.76% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR. MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.47% |
| BH PREFERRED LLC3 | 2817 WEST END AVE., SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.13% |
| LONA BISHOP3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $505 | — | $505 | 7.68% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $299 | — | $299 | 4.55% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | PO BOX 896620 CHARLOTTE, NC 282171964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $217 | — | $217 | 3.30% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR. MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $32 | — | $32 | 0.49% |
| BH PREFERRED LLC3 | 2817 WEST END AVE., SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19 | — | $19 | 0.29% |
| LONA BISHOP3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $316 | — | $316 | 6.31% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $175 | — | $175 | 3.50% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | PO BOX 896620 CHARLOTTE, NC 282171964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $145 | — | $145 | 2.90% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR. MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.44% |
| BH PREFERRED LLC3 | 2817 WEST END AVE., SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.28% |
| LONA BISHOP3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $330 | — | $330 | 9.49% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $235 | — | $235 | 6.76% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | PO BOX 896620 CHARLOTTE, NC 282171964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94 | — | $94 | 2.70% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR. MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.66% |
| BH PREFERRED LLC3 | 2817 WEST END AVE., SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.58% |
| LONA BISHOP3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $361 | — | $361 | 13.15% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $275 | — | $275 | 10.02% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVSC INC | PO BOX 896620 CHARLOTTE, NC 282171964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $90 | — | $90 | 3.28% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR. MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $27 | — | $27 | 0.98% |
| BH PREFERRED LLC3 | 2817 WEST END AVE., SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.84% |
| LONA BISHOP3 | PO BOX 20753 ROANOKE, VA 24018 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $129 | — | $129 | 8.41% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205 SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $96 | — | $96 | 6.26% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | PO BOX 896620 CHARLOTTE, NC 282171964 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33 | — | $33 | 2.15% |
| BH PREFERRED LLC3 | 2817 WEST END AVE., SUITE 126-281 NASHVILLE, TN 37203 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.52% |
| MARK WARE3 Filed as: MARK A WARE | 310 SHOREWOOD DR. MINERAL, VA 23117 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.52% |
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 | 415 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 533 | $195K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 533 | $195K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 417 | $245K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 417 | $245K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 417 | $245K |
| Other(12 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 417 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 533 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.