| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 397 LITTLE NECK RD STE 108 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC | $18K | — | $18K | 3.18% |
| TFA BENEFITS3 | 397 LITTLE NECK RD STE 108 VIRGINIA BEACH, VA 23452 | HEALTHKEEPERS INC | $10K | — | $10K | 3.18% |
| THE FRIEDEN AGENCY INC3 | 397 LITTLE NECK RD BLDG 3300 SUITE 200 VIRGINIA BEACH, VA 23452 | STANDARD INSURANCE COMPANY | $25K | — | $25K | 12.05% |
| TFA BENEFITS3 | 397 LITTLE NECK RD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC | $4K | — | $4K | 5.00% |
| THE FRIEDEN AGENCY INC3 | 397 LITTLE NECK RD 3300 BLDG SUITE 200 VIRGINIA BEACH, VA 23452 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 12.04% |
| THE FRIEDEN AGENCY INC3 | 397 LITTLE NECK RD 3300 BLDG SUITE 200 VIRGINIA BEACH, VA 23452 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 12.04% |
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 | 125 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 125 | 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 | 113 | $886K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC | 102 | $81K |
| Life insurance | STANDARD INSURANCE COMPANY | 125 | $14K |
| Short-term disability | STANDARD INSURANCE COMPANY | 124 | $74K |
| Long-term disability | STANDARD INSURANCE COMPANY | 125 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.