| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAYMAN DIENER & BORNTRAGER INS3 Filed as: LAYMAN DIENER & BORNTRAGER | 205A SOUTH LIBERTY STREET HARRISONBURG, VA 22801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $5K | $11K | 18.41% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $2K | $3K | 28.33% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE. 35, STE. 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $585 | $585 | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $351 | $351 | 3.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $427 | $2K | 16.16% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $398 | — | $398 | 3.73% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $1K | $2K | 28.04% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE. 35, STE. 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $414 | $414 | 5.00% |
| LAYMAN DIENER & BORNTRAGER INS3 | 250A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $1K | $2K | 30.40% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE. 35, STE. 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $374 | $374 | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $224 | $224 | 2.99% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $817 | $236 | $1K | 17.86% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $245 | — | $245 | 4.15% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $544 | $466 | $1K | 27.85% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE. 35, STE. 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $181 | $181 | 4.99% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $245 | $223 | $468 | 28.61% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE. 35, STE. 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $82 | $82 | 5.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $49 | $49 | 3.00% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $60K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 86 | $60K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 512 | $4K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $8K |
| Other(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 512 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.