| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE BROKER INS SERVICES3 Filed as: CORNERSTONE FNCL SVCS INC | 448 VIKING DRIVE STE 100 VIRGINIA BEACH, VA 23452 | HARTFORD LIFE AND ACCIDENT | $17K | $0 | $17K | 10.00% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 3 COMMERCIAL PLACE, SUITE 1600 16TH FLOOR NORFOLK, VA 23510 | GUARDIAN LIFE INSURANCE COMPANY | $5K | $511 | $5K | 14.15% |
| VINCENT T CALLAHAN3 | 1126 MAGNOLIA AVE NORFOLK, VA 23508 | GUARDIAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.81% |
| ENROLLEASE3 | 660 YORK STREET SUITE 102 SAN FRANSCISCO, CA 94110 | GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.90% |
| L3 ADVISORY, LLC3 Filed as: L3 ADVISORY LLC | 550 W ADAMS ST CHICAGO, IL 60661 | GUARDIAN LIFE INSURANCE COMPANY | $75 | $0 | $75 | 0.20% |
| VINCENT T CALLAHAN3 | 1126 MAGNOLIA AVENUE NORFOLK, VA 23508 | ATTACHMENT AND TRAUMA INSTITUTE | $325 | $0 | $325 | 16.95% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | ATTACHMENT AND TRAUMA INSTITUTE | $325 | $0 | $325 | 16.95% |
| L3 ADVISORY, LLC3 | 7101 WISCONSIN AVE STE 1200 BETHESDA, MD 20814 | ATTACHMENT AND TRAUMA INSTITUTE | $3 | $0 | $3 | 0.16% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 397 LITTLE NECK ROAD STE 108 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA | $31K | $2K | $33K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA EIN 54-0357120 N/A | Float revenue; Contract Administrator; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $57K |
| CARELONRX, INC. EIN 82-3062245 N/A | Float revenue; Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $10K |
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 | 341 | 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) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA | 0 | $0 |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA | 0 | $0 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 341 | $166K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 341 | $166K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 341 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.