| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY, LLC | 3 COMMERCIAL PLACE, SUITE 1600 NORFOLK, VA 23510 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $42K | $0 | $42K | 3.47% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY, LLC | 3 COMMERCIAL PLACE, SUITE 1600 NORFOLK, VA 23510 | HEALTHKEEPERS, INC. | $5K | $0 | $5K | 3.47% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | PO BOX 5407 RICHMOND, VA 23220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $0 | $30K | 25.00% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $409 | $409 | 0.34% |
| INTEGRUM ADVISORS3 Filed as: INTEGRUM ADVISORS, LLC | 1800 WEST GRACE STREET RICHMOND, VA 23220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $607 | $17K | 60.74% |
| FFG WDC LLC3 Filed as: FFG WDC, LLC | UNKNOWN CHESTER, VA 23831 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $624 | $0 | $624 | 2.23% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY, LLC | 3 COMMERCIAL PLACE, SUITE 1600 NORFOLK, VA 23510 | ANTHEM LIFE INSURANCE COMPANY | $2K | $78 | $2K | 17.64% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 307 | $1.3M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 307 | $1.2M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 307 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $133K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $121K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 307 | $1.2M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 115 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.