| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 397 LITTLE NECK RD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | HEALTHKEEPERS INC | $19K | — | $19K | 2.51% |
| TFA BENEFITS3 | 397 LITTLE NECK RD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC | $18K | — | $18K | 2.51% |
| GLENN E SMITH3 Filed as: GLENN & TIFFANY SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 13.30% |
| 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 | 7.33% |
| THE BENEFITS SOLUTION GROUP3 Filed as: BENEFITS SOLUTION INC | 1225 KEMPSVILLE RD VIRGINIA BEACH, VA 23467 | CONTINENTAL AMERICAN INSURANCE COMPANY | $554 | — | $554 | 1.14% |
| SHAWN STEPHENS3 | 293 INDEPENDENCE BLVD SUITE 218 VIRGINIA BEACH, VA 23462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $458 | — | $458 | 0.95% |
| ADAMS, TINNEY & MORGAN3 | 11520 NUCKOLS RD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $197 | — | $197 | 0.41% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES G BROWN | 2522 OWENS LANDING TRAIL NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $135 | — | $135 | 0.28% |
| KELLY E MCCLAIN3 | P O BOX 94786 NORTH LITTLE ROCK, AR 72190 | CONTINENTAL AMERICAN INSURANCE COMPANY | $132 | — | $132 | 0.27% |
| TFA BENEFITS3 | 3300 BLDG STE 108 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC | $1K | $378 | $2K | 3.36% |
| 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 | $8K | $958 | $9K | 22.29% |
| 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 | $274 | $3K | 21.95% |
| 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 | $520 | $51 | $571 | 10.99% |
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 | 233 | 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) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(3 contracts, 3 carriers) | HEALTHKEEPERS INC | 149 | $1.5M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 47 | $14K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 143 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.