| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY, LLC | 3300 BUILDING, SUITE 108 VIRGINIA BEACH, VA 23452 | HEALTHKEEPERS, INC. | $17K | $351 | $17K | 1.38% |
| TFA BENEFITS3 | 397 LITTLE NECK ROAD, SUITE 108 VIRGINIA BEACH, VA 23452 | HEALTHKEEPERS, INC. | $2K | $0 | $2K | 0.13% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | 1800 WEST GRACE STREET RICHMOND, VA 23220 | AMERICAN FIDELITY ASSURANCE COMPANY | $24K | $0 | $24K | 25.75% |
| TFA BENEFITS3 | 397 LITTLE NECK ROAD, SUITE 108 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $4K | $0 | $4K | 5.00% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | 1800 WEST GRACE STREET RICHMOND, VA 23220 | AMERITAS LIFE INSURANCE CORPORATION | $476 | $81 | $557 | 5.85% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY, LLC | 397 LITTLE NECK ROAD, SUITE 108 BUILDING 3300 VIRGINIA BEACH, VA 23452 | ANTHEM LIFE INSURANCE COMPANY | $536 | $0 | $536 | 8.62% |
| TFA BENEFITS3 | 397 LITTLE NECK ROAD, SUITE 108 BUILDING 3300 VIRGINIA BEACH, VA 23452 | ANTHEM LIFE INSURANCE COMPANY | $260 | $0 | $260 | 4.18% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY, LLC | 3300 BUILDING, SUITE 108 VIRGINIA BEACH, VA 23452 | ANTHEM LIFE INSURANCE COMPANY | $149 | $184 | $333 | 30.61% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY, LLC | 397 LITTLE NECK ROAD, SUITE 108 VIRGINIA BEACH, VA 23452 | ANTHEM LIFE INSURANCE COMPANY | $149 | $184 | $333 | 30.61% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 221 | $1.2M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 150 | $71K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 237 | $10K |
| Life insurance(4 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 208 | $101K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 140 | $93K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 140 | $93K |
| Prescription drug | HEALTHKEEPERS, INC. | 221 | $1.2M |
| Other(4 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 208 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.