| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 397 LITTLE NECK ROAD 3300 BLDG #108 VIRGINIA BEACH, VA 234525765 | OPTIMA HEALTH PLAN | $18K | — | $18K | 2.25% |
| TFA BENEFITS3 | 397 LITTLE NECK ROAD 3300 BLDG #108 VIRGINIA BEACH, VA 234525765 | OPTIMA HEALTH PLAN | $3K | — | $3K | 2.25% |
| TFA BENEFITS3 | 397 LITTLE NECK ROAD 3300 BLDG #108 VIRGINIA BEACH, VA 234525765 | OPTIMA HEALTH PLAN | $2K | — | $2K | 2.25% |
| THE FRIEDEN AGENCY DBA TFA BENEFITS3 Filed as: THE FRIEDEN AGENCY DBA TOWNE BENEFI | 397 LITTLE NECK RD 3300 BLDG STE 200 VIRGINIA BEACH, VA 234525764 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 4.94% |
| THE FRIEDEN AGENCY INC3 | 397 LITTLE NECK RD 3300 BUILDING STE 200 VIRGINIA BEACH, VA 23452 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $867 | — | $867 | 10.21% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | OPTIMA HEALTH PLAN | 96 | $948K |
| Dental | DELTA DENTAL OF VIRGINIA | 170 | $57K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $8K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 127 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
No prospect flags tripped on this filing.