| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY INC. | 397 LITTLE NECK RD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $16K | $20K | 0.76% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $5K | $7K | 0.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLEANNAN AGENCY, LLC | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10 | $10 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL E BLVD #100 RICHMOND, VA 23230 | DEARBORN LIFE INSURANCE COMPANY | $8K | — | $8K | 4.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | — | $5K | $5K | 3.12% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY INC. | 397 LITTLE NECK RD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.08% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.92% |
| LIND C SAWYER3 Filed as: C LIND SAWYER | 616 BENEFIT RD CHESAPEAKE, VA 23322 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | — | $17K | 29.27% |
| BRIAN WINFIELD3 | 397 LITTLE NECK RD BLDG 3300 VIRGINIA BEACH, VA 23452 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 2.12% |
| VINCE THOMAS CALLAHAN3 | 6804 ATLANTIC AVE VIRGINIA BEACH, VA 23451 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $86 | — | $86 | 0.14% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY | 277 BENDIX ROAD #500 VIRGINIA BEACH, VA 23452 | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 6.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY | 222 CENTRAL PARK AVE VIRGINIA BEACH, VA 23462 | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 3.69% |
| ENROLLEASE3 Filed as: ONEDIGITAL | 200 GALLERIA PARKWAY STE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | $525 | — | $525 | 1.68% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY | 397 LITTLE NECK RD VIRGINIA BEACH, VA 23452 | EYEMED VISION CARE FOR FIDELITY SECURITY LIFE INSURANCE COMPANY | $451 | — | $451 | 1.44% |
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 | 352 | 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) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 352 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 352 | $2.7M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 465 | $2.7M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 69 | $170K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 69 | $170K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 352 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.