| 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. | $26K | $8K | $34K | 5.15% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND, LLC | 540 FORT EVANS RD STE 301 LEESBURG, VA 20176 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 6.46% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALERS SERVICE | PO BOX 5407 RICHMOND, VA 23220 | DELTA DENTAL OF VIRGINIA | $570 | — | $570 | 1.14% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD STE 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $847 | $7K | 24.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD STE 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $810 | $6K | 24.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD STE 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $632 | $5K | 24.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD STE 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 3605 GLENWOOD AVE RALEIGH, NC 27612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $864 | — | $864 | 9.49% |
| CHRISTOPHER S BALL3 | 100 PEACH TREE CT HUDDLESTON, VA 24104 | CONTINENTAL AMERICAN INSURANCE COMPANY | $290 | — | $290 | 3.19% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $228 | — | $228 | 2.50% |
| KIMBERLY F HAND3 | PO BOX 692 BUENA VISTA, VA 24416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $183 | — | $183 | 2.01% |
| PAMELA SHIELDS COLE3 Filed as: PAMELA S COLE | 2020 B MAGNOLIA AVE BUENA VISTA, VA 24416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $180 | — | $180 | 1.98% |
| RUTH P YOUNG3 | 808 WIGGINGTON RD LYNCHBURG, VA 24502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73 | — | $73 | 0.80% |
| FAY JETER MARTIN3 Filed as: FAY J MARTIN | 19220 FOREST RD LYNCHBURG, VA 24502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $38 | — | $38 | 0.42% |
| CODY MOSS3 | 2203 GLENMORE RD SCOTTSVILLE, VA 24590 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.20% |
| AMELIA MORGAN3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.12% |
| RUSSELL W TINNEY3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.09% |
| JUSTIN W DAVIS3 | 300 LIVE OAK CT SALEM, VA 24153 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| JUDY L MCCULLOUGH3 Filed as: JUDY MCCULLOUGH | 5182 THOMAS JEFFERSONRD FOREST, VA 24551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| MELISSA L KARNES3 | 1002 CANINE CT THAXTON, VA 24124 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.05% |
| PAMELA SHIELDS COLE3 Filed as: PAMELA S COLE | 2020 B MAGNOLIA AVE BUENA VISTA, VA 24416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.03% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 119 | $661K |
| Dental | DELTA DENTAL OF VIRGINIA | 131 | $50K |
| Vision | STRYDEN, INC. | 103 | $13K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 156 | $54K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 72 | $28K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 47 | $21K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 57 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.