| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 397 LITTLE NECK ROAD BUILDING 3300, SUITE 108 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $29K | $156 | $30K | 1.85% |
| TFA BENEFITS3 Filed as: TFA BENEFITS THE FRIEDEN AGENCY | 397 LITTLE NECK ROAD BUILDING 3300, SUITE 108 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $2K | — | $2K | 0.11% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 397 LITTLE NECK ROAD BUILDING 3300, SUITE 108 VIRGINIA BEACH, VA 23452 | HEALTHKEEPERS, INC. | $22K | $156 | $22K | 4.59% |
| TFA BENEFITS3 Filed as: TFA BENEFITS THE FRIEDEN AGENCY | 397 LITTLE NECK ROAD BUILDING 3300, SUITE 108 VIRGINIA BEACH, VA 23452 | HEALTHKEEPERS, INC. | $2K | — | $2K | 0.37% |
| TOWNE INSURANCE AGENCY LLC3 Filed as: TOWNE BENEFITS | 277 BENDIX RD STE 500 VIRGINIA BEACH VIRGINIA BEACH, VA 23452 | HARTFORD LIFE AND ACCIDENT | $34K | $950 | $35K | 9.92% |
| THE FRIEDEN AGENCY DBA TFA BENEFITS3 | 397 LITTLE NECK ROAD, 3300 BLDG STE 200 VIRGINIA BEACH, VA 23452 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 21.73% |
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 | 190 | 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) | 190 | 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. | 211 | $2.1M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 211 | $1.6M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 211 | $1.6M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 190 | $355K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 190 | $355K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 190 | $355K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 190 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.