| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY, LLC | 397 LITTLE NECK ROAD 3300 BUILDING, SUITE 108 VIRGINIA BEACH, VA 23452 | HEALTHKEEPERS, INC. | $19K | $4K | $23K | 1.59% |
| TFA BENEFITS3 | 397 LITTLE NECK ROAD 3300 BUILDING, SUITE 108 VIRGINIA BEACH, VA 23452 | HEALTHKEEPERS, INC. | $13K | $0 | $13K | 0.88% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALER SVCS. | PO BOX 5407 RICHMOND, VA 23220 | HARTFORD LIFE AND ACCIDENT | $40K | $3K | $43K | 33.16% |
| P.G. HOTTLE, INC.3 Filed as: P. G. HOTTLE, INC. | PO BOX 3473 WARRENTON, VA 20188 | HARTFORD LIFE AND ACCIDENT | -$25 | $0 | -$25 | -0.02% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 Filed as: VIRGINIA AUTOMOBILE DEALER SVCS. | PO BOX 5407 RICHMOND, VA 23220 | DELTA DENTAL OF VIRGINIA | $4K | $0 | $4K | 4.91% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC. | 223 | $1.5M |
| Dental | DELTA DENTAL OF VIRGINIA | 235 | $88K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 169 | $130K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 169 | $130K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 169 | $130K |
| Prescription drug | HEALTHKEEPERS, INC. | 223 | $1.5M |
| Other | HARTFORD LIFE AND ACCIDENT | 169 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.