| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | SENTARA ADVANTAGE POS/MC | $16K | — | $16K | 2.52% |
| TFA BENEFITS3 | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | SENTARA ADVANTAGE POS/MC | $11K | — | $11K | 2.52% |
| TFA BENEFITS3 | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | SHIC PPO | $11K | — | $11K | 2.59% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | HARTFORD LIFE AND ACCIDENT | $19K | $14K | $33K | 10.26% |
| TFA BENEFITS3 | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | SHIC PPO | $5K | — | $5K | 2.52% |
| TOWNE INSURANCE AGENCY LLC3 Filed as: TOWNE BENEFITS | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | UNITED CONCORDIA INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| TFA BENEFITS3 | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | SHIC PPO | $2K | — | $2K | 2.69% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 20.00% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | $7K | $355 | $7K | 31.06% |
| TFA BENEFITS3 | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | SHIC PPO | $460 | — | $460 | 5.04% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | — |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 4 carriers) | SENTARA ADVANTAGE POS/MC | 294 | $1.8M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 329 | $141K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 294 | $22K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 199 | $323K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 0 | $0 |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 199 | $323K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 294 | $22K |
| Other(12 contracts, 4 carriers) | SENTARA ADVANTAGE POS/MC | 199 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.