| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 312 ELM ST CINCINNATI, OH 45202 | AETNA HEALTH INC | $0 | $5K | $5K | 0.38% |
| DANNY R. OSTER3 Filed as: DANNY R OSTER | 11812 SAWGRASS LN FREDERICKSBURG, VA 22407 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 8.21% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $1K | $4K | 4.86% |
| THE FRIEDEN AGENCY DBA TFA BENEFITS3 | 397 LITTLE NECK RD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 3.96% |
| USI INSURANCE SERVICES LLC3 | 312 ELM ST FL 24 CINCINNATI, OH 15202 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $1K | $1K | 2.22% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | UNITEDHEALTHCARE INSURANCE COMPANY | $843 | $32 | $875 | 1.70% |
| DANNY R. OSTER3 Filed as: DANNY R OSTER | 11812 SAWGRASS LN FREDERICKSBURG, VA 22407 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 6.86% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $548 | $319 | $867 | 4.64% |
| THE FRIEDEN AGENCY DBA TFA BENEFITS3 | 397 LITTLE NECK RD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | SUN LIFE ASSURANCE COMPANY OF CANADA | $160 | $0 | $160 | 0.86% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 61007 VIRGINIA BEACH, VA 23466 | EYEMED | $773 | $0 | $773 | 8.25% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 203491 DALLAS, TX 75320 | EYEMED | $243 | $0 | $243 | 2.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| USI INSURANCE SERVICES LLC BROKER | Insurance agents and brokers Service code 22 | 312 ELM ST CINCINNATI, OH 45202 | $48K |
| FRIEDEN AGENCY INC BROKER | Insurance agents and brokers Service code 22 | 397 LITTLE NECK RD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | $10K |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH INC | 165 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 96 | $51K |
| Vision | EYEMED | 121 | $9K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $89K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $89K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $89K |
| Prescription drug | AETNA HEALTH INC | 165 | $1.2M |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 137 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.