| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 397 LITTLE NECK RD 3300 BLDG STE 108 VIRGINIA BEACH, VA 23452 | OPTIMA ADVANTAGE POS | $10K | — | $10K | 1.50% |
| TFA BENEFITS3 | 397 LITTLE NECK RD 3300 BLDG STE 108 VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | $6K | — | $6K | 1.50% |
| TFA BENEFITS3 | 397 LITTLE NECK RD 3300 BLDG STE 108 VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | $5K | — | $5K | 1.50% |
| TFA BENEFITS3 | 397 LITTLE NECK RD 3300 BLDG STE 108 VIRGINIA BEACH, VA 23452 | OHIC PPO | $4K | — | $4K | 1.50% |
| TFA BENEFITS3 | 397 LITTLE NECK RD 3300 BLDG STE 108 VIRGINIA BEACH, VA 23452 | OPTIMA ADVANTAGE POS | $3K | — | $3K | 1.50% |
| 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 | $11K | — | $11K | 20.00% |
| GLENN E SMITH3 Filed as: GLENN & TIFFANY SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 10.01% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK RD STE 200 VIRGINIA BEACH, VA 23452 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.87% |
| BENEFITS INC3 Filed as: BENEFITS GROUP LLC | 11310 EAST OCEAN VIEW AVE NORFOLK, VA 23503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $537 | — | $537 | 1.18% |
| SHAWN STEPHENS3 | 293 INDEPENDENCE BLVD SUITE 218 VIRGINIA BEACH, VA 23462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $267 | — | $267 | 0.59% |
| MISCELLANEOUS AGENTS3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $221 | — | $221 | 0.49% |
| ADAMS, TINNEY & MORGAN3 | 11520 NUCKOLS RD SUITE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $111 | — | $111 | 0.24% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3300 BLDG STE 108 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC | $680 | $159 | $839 | 1.87% |
| 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 | $4K | — | $4K | 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 | $664 | — | $664 | 10.01% |
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 | 372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | OPTIMA ADVANTAGE POS | 135 | $1.9M |
| Vision | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 52 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 52 | $21K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 148 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.