| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | PO BOX 5407 RICHMOND, VA 23220 | DELTA DENTAL OF VIRGINIA | $2K | $0 | $2K | 7.00% |
| KIMBERLY HAND3 | 386 WHEATLAN DRIVE LEXINGTON, VA 24450 | DELTA DENTAL OF VIRGINIA | $115 | $0 | $115 | 0.34% |
| PAMELA SHIELDS COLE3 Filed as: PAMELA COLE | 185 SOUTH WOODLAND AVENUE BUENA VISTA, VA 24416 | DELTA DENTAL OF VIRGINIA | $115 | $0 | $115 | 0.34% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY, LLC | 3 COMMERCIAL PLACE, SUITE 1600 NORFOLK, VA 23510 | ANTHEM LIFE INSURANCE COMPANY | $861 | $52 | $913 | 12.03% |
| FIRST NATIONAL BROKERAGE3 Filed as: FIRST NATIONAL BROKERAGE CORP. | 5311 PATTERSON AVENUE RICHMOND, VA 23226 | ANTHEM LIFE INSURANCE COMPANY | $98 | $0 | $98 | 1.29% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 129 | $34K |
| Vision | DELTA DENTAL OF VIRGINIA | 86 | $9K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 134 | $8K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 134 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.