| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| B&B INSURANCE ASSOC3 | 5204-B ROLLING RD BURKE, VA 22015 | OPTIMA HEALTH PLAN | $6K | — | $6K | 1.35% |
| B&B INSURANCE ASSOC3 | 5204-B ROLLING RD BURKE, VA 22015 | OPTIMA HEALTH PLAN | $5K | — | $5K | 1.35% |
| B&B INSURANCE ASSOC3 | 5204-B ROLLING RD BURKE, VA 22015 | OPTIMA HEALTH PLAN | $3K | — | $3K | 1.35% |
| TFA BENEFITS3 | 397 LITTLE NECK RD STE 108 VIRGINIA BEACH, VA 23452 | HEALTHKEEPERS INC | $865 | $215 | $1K | 3.06% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK RD STE 108 VIRGINIA BEACH, VA 23452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 20.00% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK RD STE 200 VIRGINIA BEACH, VA 23452 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 12.46% |
| GLENN E SMITH3 Filed as: GLENN & TIFFANY SMITH | 311 NAPLES COURT CHESAPEAKE, VA 23322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 8.84% |
| KELLY E MCCLAIN3 | P O BOX 94786 NORTH LITTLE ROCK, AR 72190 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.14% |
| SHAWN STEPHENS3 | 293 INDEPENDENCE BLVD SUITE 218 VIRGINIA BEACH, VA 23462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.53% |
| THE BENEFITS SOLUTION GROUP3 Filed as: BENEFITS SOLUTION INC | 1225 KEMPSVILLE RD VIRGINIA BEACH, VA 23467 | CONTINENTAL AMERICAN INSURANCE COMPANY | $991 | — | $991 | 3.37% |
| ADAMS, TINNEY & MORGAN3 | 11520 NUCKOLS RD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $474 | — | $474 | 1.61% |
| TFA BENEFITS3 | 3300 BLDG STE 108 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC | $629 | $162 | $791 | 2.74% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK RD STE 108 VIRGINIA BEACH, VA 23452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK RD STE 108 VIRGINIA BEACH, VA 23452 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $547 | — | $547 | 10.01% |
| TFA BENEFITS3 | 397 LITTLE NECK RD STE 108 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC | $40 | $10 | $50 | 2.96% |
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 | 207 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OPTIMA HEALTH PLAN | 120 | $451K |
| Dental(2 contracts) | ANTHEM HEALTH PLANS OF VIRGINIA, INC | 5 | $31K |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 36 | $5K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 40 | $13K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 107 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.