| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 3 COMMERCIAL PLACE STEL 1600 NORFOLK, VA 23510 | OPTIMA HEALTH PLAN | $34K | $0 | $34K | 2.15% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | UNITED CONCORDIA INSURANCE COMPANY | $7K | $112 | $7K | 8.56% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14K | $733 | $14K | 24.15% |
| TIFFANY GODLEY SMITH3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 3.14% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT II INC | 1401 CHRISTIMAS COURT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $480 | $2K | 2.65% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | VISION SERVICE PLAN | $893 | $0 | $893 | 6.43% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $117 | $2K | 19.34% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G SMITH | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $599 | $0 | $599 | 5.33% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT II INC | 1401 CHRISTMAS CT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $190 | $81 | $271 | 2.41% |
| TOWNE INSURANCE AGENCY LLC3 Filed as: TOWNE BENEFITS | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | LEGAL RESOURCES | $871 | $0 | $871 | 9.12% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $784 | $21 | $805 | 11.69% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G SMITH | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $290 | $0 | $290 | 4.21% |
| BENEFITS COUNT INC3 Filed as: BENEFITS COUNT II INC | 1401 CHRISTMAS CT RALEIGH, NC 27604 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $116 | $19 | $135 | 1.96% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OPTIMA HEALTH PLAN | 154 | $1.6M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 154 | $80K |
| Vision(2 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 154 | $1.6M |
| Life insurance(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 56 | $78K |
| Short-term disability(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 56 | $78K |
| Prescription drug | OPTIMA HEALTH PLAN | 154 | $1.6M |
| Stop-loss / reinsurancereinsurance | OPTIMA HEALTH PLAN | 154 | $1.6M |
| Other | LEGAL RESOURCES | 48 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.