| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 277 BENDIX RD, #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | SENTARA HEALTH PLAN | $16K | — | $16K | 1.94% |
| KEYARX CAPITAL ADVISORS3 | 102 CRAWFORDS CORNER RD, STE 1300 HOLMDEL, NJ 07733 | THE RELIANCE STANDARD LIFE INSURANCE CO | $73K | — | $73K | 12.00% |
| MGIS3 | 111 SOUTH MAIN ST, STE 400 SALT LAKE CITY, UT 84111 | THE RELIANCE STANDARD LIFE INSURANCE CO | — | $153 | $153 | 0.03% |
| TFA BENEFITS3 | 277 BENDIX RD, #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | SENTARA HEALTH PLAN | $12K | — | $12K | 2.12% |
| TFA BENEFITS3 | 277 BENDIX RD, #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | SENTARA HEALTH PLAN | $5K | — | $5K | 2.29% |
| TFA BENEFITS3 | 277 BENDIX RD, #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | SENTARA HEALTH PLAN | $2K | — | $2K | 1.66% |
| KEYARX CAPITAL ADVISORS3 | 102 CRAWFORDS CORNER RD, STE 1300 HOLMDEL, NJ 07733 | THE RELIANCE STANDARD LIFE INSURANCE CO | $13K | — | $13K | 12.00% |
| MGIS3 | 111 SOUTH MAIN ST, STE 400 SALT LAKE CITY, UT 84111 | THE RELIANCE STANDARD LIFE INSURANCE CO | — | $27 | $27 | 0.03% |
| BLADE BENEFIT CONSULTING LLC3 | 333 W FREEMASON ST NORFOLK, VA 23510 | UNITED CONCORDIA COMPANIES, INC | $5K | — | $5K | 4.51% |
| TOWNE INSURANCE AGENCY LLC3 Filed as: TOWNE BENEFITS | 3 COMMERCIAL PLACE, #1430 NORFOLK, VA 23510 | UNITED CONCORDIA COMPANIES, INC | $2K | — | $2K | 1.50% |
| BLADE BENEFIT CONSULTING LLC3 | 333 W FREEMASON ST SUITE 202 NORFOLK, VA 23510 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $2K | $14K | 14.56% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 277 BENDIX RD, #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 4.23% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts) | SENTARA HEALTH PLAN | 163 | $1.8M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA COMPANIES, INC | 323 | $196K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $94K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 206 | $94K |
| Long-term disability | THE RELIANCE STANDARD LIFE INSURANCE CO | 204 | $604K |
| Other(2 contracts, 2 carriers) | THE RELIANCE STANDARD LIFE INSURANCE CO | 206 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.