| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| APTA HEALTH3 Filed as: APTA HEALTH LLC | — | ATLANTIC SPECIALTY INSURANCE COMPANY | $10K | $0 | $10K | 5.00% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 3 COMMERCIAL PLACE STE 1600 SUITE 500 NORFOLK, VA 23510 | DELTA DENTAL OF VIRGINIA | $3K | $0 | $3K | 3.22% |
| FREIDEN AGENCY LLC3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 15.00% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 15.17% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | $0 | $5K | 15.09% |
| GLENN E SMITH3 | 1136 MASTERS ROW CHESAPEAKE, VA 23222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.05% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 | 11310 EAST OCEAN VIEW AVE NORFOLK, VA 23503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.05% |
| RACHEL HULBURT3 | 2745 CANTWELL RD VIRGINIA BEACH, VA 23453 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | $0 | $6 | 0.02% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 218 | $80K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 188 | $71K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 188 | $71K |
| Stop-loss / reinsurancereinsurance | ATLANTIC SPECIALTY INSURANCE COMPANY | 0 | $207K |
| Other(5 contracts, 5 carriers) | MERITAIN HEALTH | 450 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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.
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.