| 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 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $16K | $4K | $20K | 7.49% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS ROAD NE, STE. 301 LEESBURG, VA 20176 | HARTFORD LIFE AND ACCIDENT | $17K | — | $17K | 24.17% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS SRVCS | PO BOX 5407 RICHMOND, VA 23220 | AMERITAS LIFE INSURANCE CORPORATION | $5K | $422 | $6K | 8.14% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | PO BOX 5407 RICHMOND, VA 23220 | AMERITAS LIFE INSURANCE CORPORATION | $2K | — | $2K | 2.47% |
| INTEGRUM ADVISORS3 | PO BOX 5407 RICHMOND, VA 23220 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $295 | — | $295 | 22.28% |
| PEAK PERFORMANCE GROUP LLC3 Filed as: PEAK PEFRORMANCE GROUP LLC | 7501 BOULDER VIEW DR., STE. 220 NORTH CHESTERFIELD, VA 23225 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $106 | — | $106 | 8.01% |
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 | 117 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 63 | $637K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 169 | $69K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 169 | $335K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 117 | $71K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 117 | $71K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 117 | $71K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 117 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.