| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 3 COMMERCIAL PLACE STE 1600 SUITE 500 NORFOLK, VA 23510 | DELTA DENTAL OF VIRGINIA | $2K | $0 | $2K | 3.04% |
| FREIDEN AGENCY LLC3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 15.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $1 | $0 | $1 | 0.00% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 5.58% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 5.43% |
| GLENN E SMITH3 | 1136 MASTERS ROW CHESAPEAKE, VA 23222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | $0 | $18 | 0.08% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 Filed as: ANDREW JONSON BENEFITS | 11310 EAST OCEAN VIEW AVE NORFOLK, VA 23503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.07% |
| NICHOLAS WAGNER3 | 1508 BACK COVE RD VIRGINIA BEACH, VA 23454 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
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 | 219 | 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) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 219 | $76K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 161 | $75K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 161 | $75K |
| Stop-loss / reinsurancereinsurance | ATLANTIC SPECIALTY INSURANCE COMPANY | 0 | $192K |
| Other(5 contracts, 5 carriers) | MERITAIN HEALTH | 466 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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."
No prospect flags tripped on this filing.