| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOSS III3 | PO BOX 1196 EASTVILLE, VA 23347 | SENTARA HEALTH PLAN | $12K | — | $12K | 2.25% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 277 BENDIX ROAD, #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | SENTARA HEALTH PLAN | $9K | — | $9K | 1.75% |
| MOSS III3 | PO BOX 1196 EASTVILLE, VA 23347 | SENTARA HEALTH PLAN | $11K | — | $11K | 2.25% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 277 BENDIX ROAD, #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | SENTARA HEALTH PLAN | $8K | — | $8K | 1.75% |
| MOSS III3 | PO BOX 1196 EASTVILLE, VA 23347 | SENTARA HEALTH PLAN | $3K | — | $3K | 2.25% |
| 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 | 1.75% |
| ATLANTIC BENEFIT OF VIRGINIA LLC3 | PO BOX 1196 EASTVILLE, VA 23347 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 4.99% |
| MOSS III3 | PO BOX 1196 EASTVILLE, VA 23347 | SENTARA HEALTH INSURANCE COMPANY | $1K | — | $1K | 2.25% |
| 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 | $935 | — | $935 | 1.75% |
| ATLANTIC BENEFIT OF VIRGINIA LLC3 | PO BOX 1196 EASTVILLE, VA 23347 | HARTFORD LIFE AND ACCIDENT | $526 | — | $526 | 6.76% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | HARTFORD LIFE AND ACCIDENT | $252 | — | $252 | 3.24% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | SENTARA HEALTH PLAN | 58 | $1.2M |
| Dental | DELTA DENTAL OF VIRGINIA | 180 | $65K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 125 | $8K |
| Other | HARTFORD LIFE AND ACCIDENT | 125 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.