| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 277 BENDIX ROAD #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | $2K | $0 | $2K | 1.50% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 277 BENDIX ROAD #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | $1K | $0 | $1K | 1.48% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 277 BENDIX ROAD #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | $1K | $0 | $1K | 1.50% |
| BESKIN-DIVERS INS GROUP3 Filed as: BESKIN-DIVERS INSURANCE GROUP INC | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | UNITED CONCORDIA COMPANIES, INC. | $1K | $114 | $1K | 4.45% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | UNITED CONCORDIA COMPANIES, INC. | $604 | $0 | $604 | 1.82% |
| BESKIN-DIVERS INS GROUP3 Filed as: BESKIN-DIVERS INSURANCE GROUP | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 7.69% |
| WORLD INSURANCE ASSOCIATES LLC3 | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | SUN LIFE ASSURANCE COMPANY OF CANADA | $366 | $0 | $366 | 1.52% |
| BESKIN-DIVERS INS GROUP3 Filed as: BESKIN-DIVERS INSURANCE AGENCY, INC | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | VISION SERVICE PLAN | $761 | $0 | $761 | 5.04% |
| WORLD INSURANCE ASSOCIATES LLC3 | LB #1803 PO BOX 95000 PHILADELPHIA, PA 19195 | VISION SERVICE PLAN | $465 | $0 | $465 | 3.08% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $187 | $0 | $187 | 1.24% |
| BESKIN-DIVERS INS GROUP3 | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | AMFIRST | $837 | $0 | $837 | 12.82% |
| MORGAN WHITE LIMITED3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $326 | $0 | $326 | 4.99% |
| RICHARD J KRESINSKE3 Filed as: RICHARD HERZBERG | 508 WEST HOLLY ROAD VIRGINIA BEACH, VA 23451 | AMFIRST | $261 | $0 | $261 | 4.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | 300 SOUTHPORT CIRCLE VIRGINIA BEACH, VA 23452 | AMFIRST | $142 | $0 | $142 | 2.18% |
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 | 71 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 76 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | OPTIMA HEALTH PLAN | 19 | $327K |
| Dental | UNITED CONCORDIA COMPANIES, INC. | 67 | $33K |
| Vision | VISION SERVICE PLAN | 52 | $15K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 127 | $24K |
| Prescription drug(3 contracts) | OPTIMA HEALTH PLAN | 19 | $327K |
| Stop-loss / reinsurancereinsurance(3 contracts) | OPTIMA HEALTH PLAN | 19 | $327K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 127 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.