| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 397 LITTLE NECK RD STE 108 BUILDING 3300 VIRGINIA BEACH, VA 23452 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $47K | $0 | $47K | 7.86% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK RD. STE. 108 BUILDING 3300 VIRGINIA BEACH, VA 23452 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $4K | $17K | 12.01% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK RD. STE. 208 BUILDING 3300 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $6K | $0 | $6K | 6.42% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 277 BENDIX RD STE 500 VIRGINIA BEACH, VA 23452 | AMERITAS LIFE INSURANCE CORP. | $854 | $0 | $854 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA | Named fiduciary; Direct payment from the plan; Non-monetary compensation; Contract Administrator; Participant communication; Other services; Float revenue; Claims processing 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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 177 | $600K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 170 | $100K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 378 | $17K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $142K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $142K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $142K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 177 | $600K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 282 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.
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.