| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY, LLC | 397 LITTLE NECK ROAD BUILDING 3300, SUITE 108 VIRGINIA BEACH, VA 23452 | HEALTHKEEPERS, INC. | $16K | $178 | $16K | 2.55% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | PO BOX 5407 RICHMOND, VA 23220 | HARTFORD LIFE AND ACCIDENT | $24K | $3K | $27K | 39.47% |
| TFA BENEFITS3 | UNKNOWN FREDERICKSBURG, VA 22401 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $5K | $0 | $5K | 8.00% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | 1800 WEST GRACE STREET RICHMOND, VA 23220 | AMERITAS LIFE INSURANCE CORPORATION | $936 | $101 | $1K | 11.08% |
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 | 99 | 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) | 99 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 94 | $629K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 63 | $60K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 101 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 99 | $67K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 99 | $67K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 99 | $67K |
| Prescription drug | HEALTHKEEPERS, INC. | 94 | $629K |
| Other | HARTFORD LIFE AND ACCIDENT | 99 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.