| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 277 BENDIX ROAD,#500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | SENTARA HEALTH PLAN | $12K | — | $12K | 2.08% |
| MOSS III3 | 1206 LASKIN RD STE 201 VIRGINIA BEACH, VA 23451 | SENTARA HEALTH PLAN | $2K | — | $2K | 0.35% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 277 BENDIX ROAD, #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | SENTARA HEALTH PLAN | $2K | — | $2K | 0.27% |
| TFA BENEFITS3 | 277 BENDIX ROAD,#500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | SENTARA HEALTH PLAN | $9K | — | $9K | 1.89% |
| MOSS III3 | 1206 LASKIN RD STE 201 VIRGINIA BEACH, VA 23451 | SENTARA HEALTH PLAN | $2K | — | $2K | 0.36% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 277 BENDIX ROAD, #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | SENTARA HEALTH PLAN | $1K | — | $1K | 0.28% |
| TFA BENEFITS3 | 277 BENDIX ROAD,#500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | SENTARA HEALTH PLAN | $2K | — | $2K | 1.78% |
| MOSS III3 | 1206 LASKIN RD STE 201 VIRGINIA BEACH, VA 23451 | SENTARA HEALTH PLAN | $524 | — | $524 | 0.47% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 277 BENDIX ROAD, #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | SENTARA HEALTH PLAN | $408 | — | $408 | 0.37% |
| TFA BENEFITS3 | 277 BENDIX ROAD,#500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | SENTARA HEALTH INSURANCE COMPANY | $1K | — | $1K | 1.91% |
| MOSS III3 | 1206 LASKIN RD STE 201 VIRGINIA BEACH, VA 23451 | SENTARA HEALTH INSURANCE COMPANY | $245 | — | $245 | 0.34% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 277 BENDIX ROAD, #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | SENTARA HEALTH INSURANCE COMPANY | $191 | — | $191 | 0.27% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY, LLC | DBA TOWNE BENEFITS 3 COMMERICAL PL STE 1600 NORFOLK, VA 23510 | DELTA DENTAL OF VIRGINIA | $2K | — | $2K | 3.33% |
| ATLANTIC BENEFIT OF VIRGINIA LLC3 | PO BOX 1196 EASTVILLE, VA 23347 | DELTA DENTAL OF VIRGINIA | $1K | — | $1K | 1.67% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | HARTFORD LIFE AND ACCIDENT | $737 | — | $737 | 10.00% |
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 | 113 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | SENTARA HEALTH PLAN | 47 | $1.2M |
| Dental | DELTA DENTAL OF VIRGINIA | 172 | $63K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 128 | $7K |
| Other | HARTFORD LIFE AND ACCIDENT | 128 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.