| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY, LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | ANTHEM HEALTH PLANS OF VIRGINIA | $45K | $431 | $45K | 2.01% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 10.80% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 5.80% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 Filed as: I ANDREW JOHNSON BENEFITS GROUP LLC | 11310 EAST OCEAN VIEW AVE NORFOLK, VA 23503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $349 | $0 | $349 | 0.35% |
| GLENN E SMITH3 Filed as: GLENN SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $303 | $0 | $303 | 0.31% |
| KARI F MARION3 | 2713 LAKE RIDGE CT. CHESAPEAKE, VA 23323 | CONTINENTAL AMERICAN INSURANCE COMPANY | $175 | $0 | $175 | 0.18% |
| NICHOLAS WAGNER3 | 1508 BACK COVE RD VIRGINIA BEACH, VA 23454 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | $0 | $108 | 0.11% |
| PHILIP A GREER3 | 1025 EXECUTIVE BLVD STE 111 CHEASAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | $0 | $61 | 0.06% |
| JOHN RAY BALLINGER3 Filed as: JOHN BALLINGER | 2456 KERR DR #L-65 VIRGINIA BEACH, VA 23454 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | $0 | $37 | 0.04% |
| RACHEL HULBURT3 | 2745 CANTWELL RD. VIRGINIA BEACH, VA 23453 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | $0 | $27 | 0.03% |
| CHRISTI GAMBONI3 | 137 AVONLEA DRIVE CHESAPEAKE, VA 23322 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.01% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | ANTHEM LIFE INSURANCE COMPANY | $13K | $5K | $18K | 19.15% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | STANDARD INSURANCE COMPANY | $1K | $282 | $1K | 8.13% |
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 | 243 | 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) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA | 173 | $2.3M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA | 173 | $2.3M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA | 173 | $2.3M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 246 | $111K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 0 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.