| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 397 LITTLE NECK ROAD, STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $42K | — | $42K | 2.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 4951 LAKE BROOK DR, STE 300 GLEN ALLEN, VA 23060 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | -$3K | — | -$3K | -0.20% |
| TFA BENEFITS3 | 397 LITTLE NECK ROAD, STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | ANTHEM LIFE INSURANCE COMPANY | $38K | — | $38K | 14.36% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY, INC. | 397 LITTLE NECK ROAD 3300 BUILDING, SUITE 108 VIRGINIA BEACH, VA 23452 | UNITED CONCORDIA INSURANCE COMPANY | $14K | — | $14K | 7.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF VIRGINIA, INC. | 4951 LAKE BROOK DRIVE, STE 300 GLEN ALLEN, VA 23060 | FIDELITY SECURITY LIFE | $4K | — | $4K | 15.00% |
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 | 562 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 577 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 159 | $2.8M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 447 | $184K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 569 | $265K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 569 | $265K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 569 | $265K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 569 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 569 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.