| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY INC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $21K | $21K | 0.88% |
| 17-3791 TOWNE BENEFITS/FRIEDEN AGEN3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | RELIANCE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 12-0369 WILLIS TOWERS WATSON INS SE | 500 N AKARD STREET STE 4300 DALLAS, TX 75201 | RELIANCE LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 42-1246 WILLIS TOWERS WATSON NE | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.99% |
| 17-3791 TOWNE BENEFITS/FRIEDEN AGEN3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | RELIANCE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 42-1246 WILLIS TOWERS WATSON NE | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 12-0369 WILLIS TOWERS WATSON INSURA | 500 N. AKARD ST SUITE 4300 DALLAS, TX 75201 | RELIANCE LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.06% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 42-1246 WILLIS TOWERS WATSON NE | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.12% |
| 17-3791 TOWNE BENEFITS/FRIEDEN AGEN3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | RELIANCE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 12-0369 WILLIS TOWERS WATSON INSURA | 500 N. AKARD ST SUITE 4300 DALLAS, TX 75201 | RELIANCE LIFE INSURANCE COMPANY | $0 | $897 | $897 | 2.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 42-1246 WILLIS TOWERS WATSON NE | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.83% |
| 17-3791 TOWNE BENEFITS/FRIEDEN AGEN3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | RELIANCE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 12-0369 WILLIS TOWERS WATSON INSURA | 500 N. AKARD ST SUITE 4300 DALLAS, TX 75201 | RELIANCE LIFE INSURANCE COMPANY | $0 | $924 | $924 | 2.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NE INC | PO BOX 414965 BOSTON, MA 02241 | VSP | $794 | $0 | $794 | 4.31% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | VSP | $434 | $0 | $434 | 2.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 42-1246 WILLIS TOWERS WATSON NE | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE LIFE INSURANCE COMPANY | $609 | $0 | $609 | 5.38% |
| 17-3791 TOWNE BENEFITS/FRIEDEN AGEN3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | RELIANCE LIFE INSURANCE COMPANY | $353 | $0 | $353 | 3.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 12-0369 WILLIS TOWERS WATSON INSURA | 500 N. AKARD ST SUITE 4300 DALLAS, TX 75201 | RELIANCE LIFE INSURANCE COMPANY | $0 | $226 | $226 | 2.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 42-1246 WILLIS TOWERS WATSON NE | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE LIFE INSURANCE COMPANY | $867 | $0 | $867 | 9.60% |
| 17-3791 TOWNE BENEFITS/FRIEDEN AGEN3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | RELIANCE LIFE INSURANCE COMPANY | $488 | $0 | $488 | 5.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 12-0369 WILLIS TOWERS WATSON INSURA | 500 N. AKARD ST SUITE 4300 DALLAS, TX 75201 | RELIANCE LIFE INSURANCE COMPANY | $0 | $201 | $201 | 2.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 42-1246 WILLIS TOWERS WATSON NE | 10 STATE HOUSE SQUARE FLOOR 11 HARTFORD, CT 06103 | RELIANCE LIFE INSURANCE COMPANY | $657 | $0 | $657 | 13.07% |
| 17-3791 TOWNE BENEFITS/FRIEDEN AGEN3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | RELIANCE LIFE INSURANCE COMPANY | $348 | $0 | $348 | 6.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: 12-0369 WILLIS TOWERS WATSON INSURA | 500 N. AKARD ST SUITE 4300 DALLAS, TX 75201 | RELIANCE LIFE INSURANCE COMPANY | $0 | $129 | $129 | 2.57% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 101 | $2.4M |
| Vision | VSP | 102 | $18K |
| Life insurance(3 contracts) | RELIANCE LIFE INSURANCE COMPANY | 163 | $116K |
| Short-term disability | RELIANCE LIFE INSURANCE COMPANY | 165 | $100K |
| Long-term disability | RELIANCE LIFE INSURANCE COMPANY | 165 | $41K |
| Other(4 contracts) | RELIANCE LIFE INSURANCE COMPANY | 163 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.