| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 Filed as: TFA BENEFITS THE FRIEDEN AGENCY | 397 LITTLE NECK ROAD, SUITE 108 3300 BUILDING VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $20K | — | $20K | 2.42% |
| TFA BENEFITS3 Filed as: TFA BENEFITS THE FRIEDEN AGENCY | 397 LITTLE NECK ROAD, SUITE 108 BUILDING 3300 VIRGINIA BEACH, VA 23452 | HEALTHKEEPERS, INC. | $20K | — | $20K | 2.51% |
| TFA BENEFITS3 | 397 LITTLE NECK ROAD, SUITE 108 3300 BUILDING VIRGINIA BEACH, VA 23452 | HARTFORD LIFE AND ACCIDENT | $29K | — | $29K | 10.82% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY, INC. | 397 LITTLE NECK ROAD, SUITE 200 BUILDING 3300 VIRGINIA BEACH, VA 23452 | UNITED CONCORDIA INSURANCE COMPANY | $16K | — | $16K | 9.03% |
| THE FRIEDEN AGENCY DBA TFA BENEFITS3 | 397 LITTLE NECK ROAD, 3300 BLDG VIRGINIA BEACH, VA 23452 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 19.92% |
| THE FRIEDEN AGENCY DBA TFA BENEFITS3 | 397 LITTLE NECK ROAD, 3300 BLDG VIRGINIA BEACH, VA 23452 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 10.00% |
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 | 214 | 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) | 214 | 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. | 167 | $1.6M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 408 | $172K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 214 | $273K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 118 | $27K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 214 | $273K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 214 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.