| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 277 BENDIX RD #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | $11K | $0 | $11K | 2.49% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 277 BENDIX ROAD #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | $7K | $0 | $7K | 1.50% |
| TFA BENEFITS3 | 277 BENDIX RD #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | $10K | $0 | $10K | 3.06% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 277 BENDIX ROAD #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | $5K | $0 | $5K | 1.50% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 277 BENDIX ROAD #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | OHIC | $3K | $0 | $3K | 2.23% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 277 BENDIX ROAD #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | OHIC | $2K | $0 | $2K | 1.49% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY INC. | 397 LITTLE NECK RD BLDG 3300 SUITE 108 VIRGINIA BEACH, VA 23452 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.66% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 277 BENDIX ROAD #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | OHIC | $1K | $0 | $1K | 2.62% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 277 BENDIX ROAD #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | OHIC | $786 | $0 | $786 | 1.50% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK RD BLDG 3300 STE 108 VIRGINIA BEACH, VA 23452 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 7.74% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK RD BLDG 3300 STE 108 VIRGINIA BEACH, VA 23452 | STANDARD INSURANCE COMPANY | $455 | $0 | $455 | 1.27% |
| THE FRIEDEN AGENCY DBA TFA BENEFITS3 Filed as: THE FRIEDEN AGENCY LLL | 397 LITTLE NECK RD BLDG 3300 STE 108 VIRGINIA BEACH, VA 23452 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 12.07% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK RD BLDG 3300 STE 108 VIRGINIA BEACH, VA 23452 | STANDARD INSURANCE COMPANY | $431 | $0 | $431 | 1.26% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | AFLAC | $673 | $0 | $673 | 9.32% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $601 | $0 | $601 | 8.32% |
| ELIZABETH ANNE BUCHANAN3 | 3401 HUNTON RIDGE DR GLEN ALLEN, VA 23059 | AFLAC | $35 | $0 | $35 | 0.48% |
| SHAWN K STEPHENS3 | 1323 GRAHAM TRACE LN LEAGUE CITY, TX 77573 | AFLAC | $33 | $0 | $33 | 0.46% |
| JULIA E LEE3 | 3414 LAGUNA AVE OAKLAND, CA 94602 | AFLAC | $30 | $0 | $30 | 0.42% |
| GLENN E SMITH3 | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $23 | $0 | $23 | 0.32% |
| KENNETH W SHOLAR3 | 4608 WESTGROVE CT HAYGOOD EXECUTIVE PARK VIRGINIA BEACH, VA 23455 | AFLAC | $22 | $0 | $22 | 0.30% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 | 1310 E OCEAN VIEW AVE NORFOLK, VA 23503 | AFLAC | $20 | $0 | $20 | 0.28% |
| THOMAS L LUEBCHOW3 | 390 PILOT RIDGE DR LEWISVILLE, NC 27023 | AFLAC | $19 | $0 | $19 | 0.26% |
| SUSAN M. LUEBCHOW3 Filed as: SUSAN M LUEBCHOW | 390 PILOT RIDGE DR LEWISVILLE, NC 27023 | AFLAC | $17 | $0 | $17 | 0.24% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $10 | $0 | $10 | 0.14% |
| PEGGY MORRIS3 | 2720 WOODLORE TRL WINSTON SALEM, NC 27103 | AFLAC | $10 | $0 | $10 | 0.14% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $5 | $0 | $5 | 0.07% |
| JEFFREY SCOTT GIBSON3 | 200 W ELM ST STE 1225 CONSHOHOCKEN, PA 19428 | AFLAC | $4 | $0 | $4 | 0.06% |
| RICHARD J KRESINSKE3 | 4004 ATLANTIC AVE APT 803 VIRGINIA BEACH, VA 23451 | AFLAC | $4 | $0 | $4 | 0.06% |
| SHEILA L RAITCH3 | 5524 LIBER CT GAINSVILLE, VA 20155 | AFLAC | $4 | $0 | $4 | 0.06% |
| J MICHAEL BUTLER3 | 1090 13TH AVE NW HICKORY, NC 28601 | AFLAC | $3 | $0 | $3 | 0.04% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $2 | $0 | $2 | 0.03% |
| NICHOLAS WAGNER3 | 1508 BACK COVE RD VIRGINIA BEACH, VA 23454 | AFLAC | $2 | $0 | $2 | 0.03% |
| PHILLIP GREER3 | 2881 BALD EAGLE RD VIRGINIA BEACH, VA 23453 | AFLAC | $1 | $0 | $1 | 0.01% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY INC. | 1435 CROSSWAYS BLVD SUITE 302 CHESAPEAKE, VA 23320 | FIDELITY SECURITY LIE | $429 | $0 | $429 | 14.99% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | 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 |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 95 | $82K |
| Vision(5 contracts, 3 carriers) | OPTIMA HEALTH PLAN | 95 | $1.0M |
| Life insurance | STANDARD INSURANCE COMPANY | 142 | $36K |
| Long-term disability | STANDARD INSURANCE COMPANY | 142 | $34K |
| Prescription drug(4 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 48 | $958K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 41 | $366K |
| Other(2 contracts, 2 carriers) | AFLAC | 12 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.