| 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 | $23K | $2K | $24K | 10.73% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| ELITE ENROLLMENT SERVICES LLC3 | PO BOX 5407 RICHMOND, VA 23220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $472 | $472 | 0.58% |
| LAYMAN DIENER & BORNTRAGER INS3 | 250A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| ELITE ENROLLMENT SERVICES LLC3 | PO BOX 5407 RICHMOND, VA 23220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $380 | $380 | 0.58% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $344 | $344 | 0.57% |
| ELITE ENROLLMENT SERVICES LLC3 | PO BOX 5407 RICHMOND, VA 23220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 13.63% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS SERVICE | PO BOX 5407 RICHMOND, VA 232200407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 4.34% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $796 | — | $796 | 2.41% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $662 | $662 | 2.00% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $157 | $157 | 0.61% |
| ELITE ENROLLMENT SERVICES LLC3 | PO BOX 5407 RICHMOND, VA 23220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $881 | $3K | 15.64% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS SERVICE | PO BOX 5407 RICHMOND, VA 232200407 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $838 | $838 | 3.80% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $641 | — | $641 | 2.91% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $387 | $387 | 1.76% |
| LAYMAN DIENER & BORNTRAGER INS3 | 205A S. LIBERTY ST. HARRISONBURG, VA 22801 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ELITE ENROLLMENT SERVICES LLC3 | PO BOX 5407 RICHMOND, VA 23220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $366 | $366 | 3.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $98 | $98 | 0.80% |
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 | 587 | 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) | 587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 390 | $228K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 390 | $228K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 587 | $26K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $66K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $60K |
| Other(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 587 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 587 | — |
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.