| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $30K | $30K | 2.91% |
| TOWNE INSURANCE AGENCY LLC3 Filed as: TOWNE BENEFITS | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | UNITED CONCORDIA INSURANCE COMPANY | $8K | $88 | $8K | 10.93% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | AFLAC | $3K | $0 | $3K | 4.68% |
| KRYSTAL FIELDS INC3 | 1001 TRILOGY LOOP APT 104 SUFFOLK, VA 23435 | AFLAC | $2K | $0 | $2K | 3.33% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $940 | $75 | $1K | 1.81% |
| BENEFICIAL WELLNESS INC3 | 303 BARON BLVD SUFFOLK, VA 23435 | AFLAC | $588 | $0 | $588 | 1.05% |
| ANDREA L SHERMAN3 | 1348 FIVE FORKS RD VIRGINIA BEACH, VA 23455 | AFLAC | $571 | $0 | $571 | 1.02% |
| DONNA M GROSKOPF3 | 2162 HUMPHREYS DR SUFFOLK, VA 23435 | AFLAC | $187 | $0 | $187 | 0.33% |
| GISELLE BETH MILOWITZ3 | 7214 PRO LN MILTON, FL 32570 | AFLAC | $137 | $0 | $137 | 0.24% |
| NICHOLAS WAGNER3 | 1508 BACK COVE RD VIRGINIA BEACH, VA 23454 | AFLAC | $38 | $19 | $57 | 0.10% |
| KERSTIN E COLEMAN3 | 47 QUEENS WAY STE G HAMPTON, VA 23669 | AFLAC | $51 | $0 | $51 | 0.09% |
| JOHN RAY BALLINGER3 | 2456 KERR DR L65 VIRGINIA BEACH, VA 23454 | AFLAC | $7 | $14 | $21 | 0.04% |
| GLENN E SMITH3 | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $2 | $5 | $7 | 0.01% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 20.00% |
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 | 292 | 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) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 214 | $1.0M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 145 | $71K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 292 | $30K |
| Other(2 contracts, 2 carriers) | AFLAC | 292 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.