| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | SENTARA ADVANTAGE POS/MC | $18K | — | $18K | 2.55% |
| TFA BENEFITS3 | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | SENTARA ADVANTAGE POS/MC | $13K | — | $13K | 2.58% |
| TFA BENEFITS3 | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | SHIC PPO | $9K | — | $9K | 2.52% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | HARTFORD LIFE AND ACCIDENT | $20K | — | $20K | 5.92% |
| 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 | $378 | $7K | 5.32% |
| TFA BENEFITS3 | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | SHIC PPO | $2K | — | $2K | 2.52% |
| 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 | $2K | $223 | $3K | 10.90% |
| TFA BENEFITS3 | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | SHIC PPO | $251 | — | $251 | — |
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 | 202 | 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) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 2 carriers) | SENTARA ADVANTAGE POS/MC | 109 | $1.9M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 330 | $123K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 310 | $23K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 202 | $338K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 202 | $338K |
| Other(11 contracts, 4 carriers) | SENTARA ADVANTAGE POS/MC | 202 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 330 | — |
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.