| 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 | $59K | $59K | 2.20% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | DELTA DENTAL OF CONNECTICUT, INC. | $6K | $0 | $6K | 3.58% |
| 17-3791 TOWNE BENEFITS/FRIEDEN AGEN3 Filed as: TOWNE BENEFITS / FRIEDEN AGENCY | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.02% |
| 17-3791 TOWNE BENEFITS/FRIEDEN AGEN3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | RELIANCE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.73% |
| 17-3791 TOWNE BENEFITS/FRIEDEN AGEN3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | RELIANCE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.44% |
| 17-3791 TOWNE BENEFITS/FRIEDEN AGEN3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | RELIANCE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.83% |
| FRIDEN AGENCY INC3 Filed as: FRIDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | DELTA DENTAL OF CONNECTICUT, INC. | $1K | $0 | $1K | 3.42% |
| 17-3791 TOWNE BENEFITS/FRIEDEN AGEN3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | RELIANCE LIFE INSURANCE COMPANY | $927 | $0 | $927 | 8.50% |
| 17-3791 TOWNE BENEFITS/FRIEDEN AGEN3 | 3 COMMERCIAL PLACE STE 1600 FLOOR 11 NORFOLK, VA 23510 | RELIANCE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| 17-3791 TOWNE BENEFITS/FRIEDEN AGEN3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | RELIANCE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 20.00% |
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 | 140 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 111 | $2.7M |
| Dental | DELTA DENTAL OF CONNECTICUT, INC. | 273 | $159K |
| Vision | DELTA DENTAL OF CONNECTICUT, INC. | 253 | $33K |
| Life insurance(3 contracts) | RELIANCE LIFE INSURANCE COMPANY | 135 | $123K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 140 | $108K |
| Long-term disability | RELIANCE LIFE INSURANCE COMPANY | 140 | $42K |
| Other(4 contracts) | RELIANCE LIFE INSURANCE COMPANY | 135 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.