| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY, LLC | FRIEDEN AGENCY, LLC 3 COMMERCIAL PLACE NORFOLK, VA 23510 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $52K | $0 | $52K | 1.96% |
| BANKERS INSURANCE LLC3 Filed as: BANKERS INSURANCE, LLC | 120 CROWN DRIVE, SUITE A DANVILLE, VA 24540 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | -$155 | $0 | -$155 | -0.01% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | PO BOX 5407 RICHMOND, VA 23220 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $94K | $9K | $103K | 638.89% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 8.82% |
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 | 457 | 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) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 397 | $2.6M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 397 | $2.6M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 397 | $2.6M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 457 | $16K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 457 | $16K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 457 | $16K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 397 | $2.6M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 457 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.