| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 397 LITTLE NECK ROAD., STE 108 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA | $30K | — | $30K | 4.78% |
| W. TAYLOR JOHNSON EMPLOYEE BENEFITS3 | 301 BENDIX RD. STE 300 VIRGINIA BEACH, VA 23452 | METROPOLITAN LIFE INSURANCE COOMPANY | $4K | — | $4K | 4.71% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY, LLC | 397 LITTLE NECK ROAD., STE 108 VIRGINIA BEACH, VA 23452 | METROPOLITAN LIFE INSURANCE COOMPANY | $2K | $476 | $2K | 2.82% |
| BLADE BENEFIT CONSULTING LLC3 Filed as: BLADE BENEFIT CONSULTING | PO BOX 1472 VIRGINIA BEACH, VA 23451 | METROPOLITAN LIFE INSURANCE COOMPANY | $2K | — | $2K | 2.67% |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA | 0 | $636K |
| Dental | METROPOLITAN LIFE INSURANCE COOMPANY | 158 | $87K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA | 0 | $636K |
| Life insurance | METROPOLITAN LIFE INSURANCE COOMPANY | 158 | $87K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COOMPANY | 158 | $87K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA | 0 | $636K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.