| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 397 LITTLE NECK RD. 3300 BLDG, SUITE 108 VIRGINIA BEACH, VA 23452 | OPTIMA ADVANTAGE POS M/C | $19K | — | $19K | 3.82% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY, LLC | 397 LITTLE NECK RD. 3300 BLDG, SUITE 108 VIRGINIA BEACH, VA 23452 | OPTIMA ADVANTAGE POS M/C | $8K | — | $8K | 1.50% |
| TFA BENEFITS3 | 397 LITTLE NECK RD. 3300 BLDG, SUITE 108 VIRGINIA BEACH, VA 23452 | OPTIMA ADVANTAGE POS M/C | $11K | — | $11K | 3.85% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY, LLC | 397 LITTLE NECK RD. 3300 BLDG, SUITE 108 VIRGINIA BEACH, VA 23452 | OPTIMA ADVANTAGE POS M/C | $4K | — | $4K | 1.50% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY, LLC | 397 LITTLE NECK ROAD SUITE 108 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $10K | $1K | $11K | 9.49% |
| TFA BENEFITS3 | 397 LITTLE NECK ROAD 3300 BLDG. SUITE 108 VIRGINIA BEACH, VA 23452 | OPTIMA ADVANTAGE POS M/C | $3K | — | $3K | 5.57% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY, LLC | 397 LITTLE NECK RD. 3300 BLDG, SUITE 108 VIRGINIA BEACH, VA 23452 | OPTIMA ADVANTAGE POS M/C | $878 | — | $878 | 1.50% |
| TFA BENEFITS3 | 397 LITTLE NECK RD. 3300 BLDG. SUITE 108 VIRGINIA BEACH, VA 23452 | OPTIMA ADVANTAGE POS M/C | $1K | — | $1K | 3.74% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY, LLC | 397 LITTLE NECK ROAD 3300 BLDG. SUITE 108 VIRGINIA BEACH, VA 23452 | OPTIMA ADVANTAGE POS M/C | $415 | — | $415 | 1.50% |
| TFA BENEFITS3 | 277 BENDIX ROAD SUITE 500 VIRGINIA BEACH, VA 23452 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 14.36% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL BENEFITS, LLC | 40 TIOGA WAY, STE 30A MARBLEHEAD, MA 19045 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $185 | $185 | 1.06% |
| TFA BENEFITS3 | 277 BENDIX ROAD SUITE 500 VIRGINIA BEACH, VA 23452 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.56% |
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 | 108 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | OPTIMA ADVANTAGE POS M/C | 97 | $882K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 215 | $118K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 215 | $118K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 142 | $15K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 73 | $17K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 142 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
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.