| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | OPTIMA HEALTH PLAN | $9K | $0 | $9K | 2.24% |
| TFA BENEFITS3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23452 | OPTIMA HEALTH PLAN | $5K | $0 | $5K | 2.26% |
| TFA BENEFITS3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | OPTIMA HEALTH PLAN | $2K | $0 | $2K | 2.25% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY, INC. | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | DELTA DENTAL OF VIRGINIA | $2K | $0 | $2K | 3.79% |
| TFA BENEFITS3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | OPTIMA HEALTH PLAN | $1K | $0 | $1K | 2.25% |
| TFA BENEFITS3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | OPTIMA HEALTH PLAN | $570 | $0 | $570 | 2.25% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 63.18% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | SPECIAL INSURANCE SERVICES INC/FIDELITY SECURITY LIFE | $2K | $0 | $2K | 15.00% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| TFA BENEFITS3 Filed as: TFA BENEFITS/THE FRIEDEN AGENCY | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | DELTA DENTAL OF VIRGINIS | $421 | $0 | $421 | 6.62% |
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 | 140 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts) | OPTIMA HEALTH PLAN | 30 | $761K |
| Dental | DELTA DENTAL OF VIRGINIA | 140 | $60K |
| Vision(6 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 99 | $768K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 33 | $31K |
| Prescription drug(5 contracts) | OPTIMA HEALTH PLAN | 30 | $761K |
| Stop-loss / reinsurancereinsurance(2 contracts) | OPTIMA HEALTH PLAN | 30 | $300K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 33 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.