| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PL., STE. 1600 NORFOLK, VA 23510 | ANTHEM HEALTH PLANS OF VIRGINIA | $51K | $2K | $53K | 12.47% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $2K | $21K | 27.10% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $1K | $17K | 26.84% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | 1800 W. GRACE ST. RICHMOND, VA 23220 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $11K | — | $11K | 22.82% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $11K | — | $11K | 22.31% |
| BRADLEY W GRAMM3 Filed as: BRADLEY W. GRAMM | 100 EASTSHORE DR., STE. 300 GLEN ALLEN, VA 230595758 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.64% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $886 | $11K | 27.19% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 27.76% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS | 15400 28TH AVE. N, STE. 200 PLYMOUTH, MN 55447 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $159 | — | $159 | 0.41% |
| FFG WDC LLC3 | 1932 ARLINGTON BLVD., STE. 100 CHARLOTTESVILLE, VA 22903 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $51 | — | $51 | 0.13% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | LEGAL RESOURCES | $1K | — | $1K | 6.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ANTHEM HEALTH PLANS OF VIRGINIA EIN 54-0357120 CONTRACT ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Other services; Contract Administrator Service code 12 | — | $80K |
| HEALTHKEEPERS, INC. EIN 54-1356687 CONTRACT ADMINISTRATOR | Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $10K |
| INGENIORX, INC. EIN 82-3062245 RX ADMINISTRATOR | Float revenue; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $0 |
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 | 183 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA | 301 | $423K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA | 301 | $423K |
| Life insurance(2 contracts, 2 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 89 | $88K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 103 | $77K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 69 | $62K |
| Stop-loss / reinsurancereinsurance | ANTHEM HEALTH PLANS OF VIRGINIA | 301 | $423K |
| Other(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 82 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.