| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED BENEFIT CONCEPTS3 | 2133 UPTON DRIVE, SUITE 126 169 VIRGINIA BEACH, VA 23454 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $31K | $0 | $31K | 1.96% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 397 LITTLE NECK ROAD VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $20 | $0 | $20 | 0.00% |
| INTEGRATED BENEFIT CONCEPTS3 | 2208 OSTERLY COURT VIRGINIA BEACH, VA 23456 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 3.00% |
| INTEGRATED BENEFIT CONCEPTS3 | 2208 OSTERLY COURT VIRGINIA BEACH, VA 23456 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $0 | $21K | 10.88% |
| INTEGRATED BENEFIT CONCEPTS3 | 2208 OSTERLY COURT VIRGINIA BEACH, VA 23456 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $11K | $466 | $12K | 6.29% |
| 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 | -$724 | $0 | -$724 | -0.39% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | 414 GALLIMORE DAIRY ROAD SUITE F GREENSBORO, NC 27406 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$998 | $0 | -$998 | -0.53% |
| INTEGRATED BENEFIT CONCEPTS3 | 1060 LASKIN ROAD, SUITE 12B VIRGINIA BEACH, VA 23451 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.44% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | 3201 BEECHLEAF COURT, SUITE 200 RALEIGH, NC 27604 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.68% |
| TIFFANY SMITH3 Filed as: TIFFANY A. SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $666 | $0 | $666 | 1.29% |
| THE BENEFIT COMPANY INC3 | PO BOX 211486 COLUMBIA, SC 29221 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $214 | $0 | $214 | 0.41% |
| INTEGRATED BENEFIT CONCEPTS3 | 1060 LASKIN ROAD, SUITE 12B VIRGINIA BEACH, VA 23451 | EYEMED VISION CARE ON THE BEHALF OF FIDELITY SECURITY LIFE INS. CO. | $4K | $0 | $4K | 9.11% |
| INTEGRATED BENEFIT CONCEPTS3 | 1055 LASKIN ROAD, SUITE 100 VIRGINIA BEACH, VA 23451 | EYEMED VISION CARE ON THE BEHALF OF FIDELITY SECURITY LIFE INS. CO. | $364 | $0 | $364 | 0.81% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 397 LITTLE NECK ROAD VIRGINIA BEACH, VA 23452 | EYEMED VISION CARE ON THE BEHALF OF FIDELITY SECURITY LIFE INS. CO. | $364 | $0 | $364 | 0.81% |
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 | 179 | 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) | 180 | 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. | 331 | $2.1M |
| Dental(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 772 | $637K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 483 | $1.6M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 277 | $187K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 277 | $187K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 331 | $1.6M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 277 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 772 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.