| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE, SUITE 1600 NORFOLK, VA 23510 | HEALTHKEEPERS, INC. | $38K | $0 | $38K | 2.80% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | HEALTHKEEPERS, INC. | $13K | $0 | $13K | 0.93% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 1800 WEST GRACE STREET RICHMOND, VA 23220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $3K | $25K | 21.74% |
| USI INSURANCE SERVICES LLC3 | UNKNOWN RICHMOND, VA 23230 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $360 | $360 | 0.32% |
| HILB GROUP OF NEW ENGLAND4 Filed as: THE HILB GROUP OF MARYLAND | 22934 THREE NOTCH ROAD, UNIT B CALIFORNIA, MD 20619 | PRE-PAID LEGAL SERVICE INC DBA LEGALSHIELD | $904 | $0 | $904 | 10.84% |
| PEAK PERFORMANCE GROUP LLC4 | 7501 BOULDER VIEW DRIVE, SUITE 220 NORTH CHESTERFIELD, VA 23225 | PRE-PAID LEGAL SERVICE INC DBA LEGALSHIELD | $412 | $0 | $412 | 4.94% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE, SUITE 1600 NORFOLK, VA 23510 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $38K | $0 | $38K | 3335.19% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $13K | $0 | $13K | 1104.43% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 198 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $114K |
| Vision(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 253 | $1.5M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $114K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $114K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $114K |
| Prescription drug(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 198 | $1.4M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 253 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.