| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC-3 | COMMERICAL PLACE SUITE 1600, NORFOLK VIRGINIA BEACH, VA 23510 | ANTHEM PLANS OF VIRGINIA | $30K | $2K | $31K | 7.52% |
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE FNCL SVCS INC | 294448 VIKING DRIVE SUITE 310 VIRGINIA BEACH, VA 23452 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 3.22% |
| VINCENT T CALLAHAN3 | 1126 MAGNOLIA AVE NORFOLK, VA 23508 | GUARDIAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 13.91% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 3 COMMERCIAL PLAC 16TH FLOOR NORFOLK, VA 23510 | GUARDIAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 13.91% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANCISCO, CA 94110 | GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.98% |
| L3 ADVISORY, LLC3 Filed as: L3-ADVISORY, LLC | 7101 WISCONSIN AVE STE 1200 BETHESDA, MD 20814 | GUARDIAN LIFE INSURANCE COMPANY | $69 | $0 | $69 | 0.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHKEPPERS INC EIN 54-1356687 N/A | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing; Other services Service code 12 | — | $98K |
| INGENIO RX EIN 82-3062245 N/A | Other services; Float revenue; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $59K |
| ANTHEM HEALTH PLANS OF VIRGINIA EIN 54-0357120 N/A | Other services; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $30K |
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 | 366 | 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) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM PLANS OF VIRGINIA | 336 | $418K |
| Vision | ANTHEM PLANS OF VIRGINIA | 336 | $418K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 336 | $418K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 336 | $418K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 336 | $418K |
| Stop-loss / reinsurancereinsurance | ANTHEM PLANS OF VIRGINIA | 336 | $418K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 336 | $456K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.