| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD, SUITE F GREENSBORO, NC 27409 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $13K | $0 | $13K | 0.79% |
| TFA BENEFITS3 | 397 LITTLE NECK ROAD, SUITE 108 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $8K | $0 | $8K | 0.49% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB AND T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD, SUITE F GREENSBORO, NC 27409 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $0 | $13K | 1.47% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 397 LITTLE NECK ROAD BUILDING 3300, SUITE 108 VIRGINIA BEACH, VA 23452 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $0 | $13K | 1.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD, SUITE F GREENSBORO, NC 27409 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.36% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 397 LITTLE NECK ROAD BUILDING 3300, SUITE 108 VIRGINIA BEACH, VA 23452 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.11% |
| INTEGRATED BENEFIT CONCEPTS3 | 2208 OSTERLY COURT VIRGINIA BEACH, VA 23456 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.22% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 277 BENDIX ROAD, SUITE 500 VIRGINIA BEACH, VA 23452 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.65% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 414 GALLIMORE DAIRY ROAD, SUITE F GREENSBORO, NC 27409 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $34 | $7K | 3.62% |
| INTEGRATED BENEFIT CONCEPTS3 | 2208 OSTERLY COURT VIRGINIA BEACH, VA 23456 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 1.84% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB AND T INSURANCE SERVICES INC | 414 GALLIMORE DAIRY ROAD, SUITE F GREENSBORO, NC 27409 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $627 | $627 | 0.33% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 3605 GLENWOOD AVENUE, SUITE 190 RALEIGH, NC 27612 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 17.89% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $427 | $0 | $427 | 0.89% |
| TIFFANY SMITH Filed as: TIFFANY A. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $250 | $0 | $250 | 0.52% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY, LLC | 397 LITTLE NECK ROAD VIRGINIA BEACH, VA 23452 | EYEMED VISION CARE ON THE BEHALF OF FIDELITY SECURITY LIFE INS. CO. | $2K | $0 | $2K | 5.90% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB AND T INSURANCE SERVICES INC | 2108 WEST LABRUNUM AVENUE SUITE 300 RICHMOND, VA 23227 | EYEMED VISION CARE ON THE BEHALF OF FIDELITY SECURITY LIFE INS. CO. | $2K | $0 | $2K | 4.00% |
| INTEGRATED BENEFIT CONCEPTS3 | 1055 LASKIN ROAD, SUITE 100 VIRGINIA BEACH, VA 23451 | EYEMED VISION CARE ON THE BEHALF OF FIDELITY SECURITY LIFE INS. CO. | $705 | $0 | $705 | 1.67% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 289 | $2.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 701 | $1.1M |
| Vision | EYEMED VISION CARE ON THE BEHALF OF FIDELITY SECURITY LIFE INS. CO. | 436 | $42K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 269 | $235K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 269 | $235K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 289 | $1.7M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 269 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 701 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.