| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | OPTIMA HEALTH PLAN | $36K | $0 | $36K | 1.84% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | UNITED CONCORDIA INSURANCE COMPANY | $7K | $1K | $8K | 4.74% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED CONCORDIA INSURANCE COMPANY | $1K | $0 | $1K | 0.79% |
| TOWNE INSURANCE AGENCY LLC3 Filed as: TOWNE BENEFITS | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | UNITED CONCORDIA INSURANCE COMPANY | $3 | $0 | $3 | 0.00% |
| VINCE CALLAHAN3 | 6804 ATLANTIC AVE VIRGINIA BEACH, VA 23451 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 3190 FAIRVIEW PARK DR STE 400 FALLS CHURCH, VA 22042 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.17% |
| DANNY R. OSTER3 | 11812 SAWGRASS LANE FREDERICKSBURG, VA 22407 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.06% |
| ROSS G. WINFIELD3 | 277 BENDIX ROAD STE 500 VIRGINIA BEACH, VA 23452 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $467 | $0 | $467 | 0.49% |
| JOHN DOTEN3 | 6003 POURING GLORIES WAY CLARKSVILLE, MD 21029 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $63 | $0 | $63 | 0.07% |
| TIMOTHY C CAVAZOS3 Filed as: TIMOTHY MARK SIMMONS | 5405 STANWOOD WAY GLEN ALLEN, VA 23059 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6 | $0 | $6 | 0.01% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.71% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $124 | $0 | $124 | 1.18% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $645 | $0 | $645 | 15.58% |
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 | 589 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 35 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 626 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OPTIMA HEALTH PLAN | 341 | $2.0M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 382 | $174K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 531 | $106K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 94 | $95K |
| Prescription drug | OPTIMA HEALTH PLAN | 341 | $2.0M |
| Stop-loss / reinsurancereinsurance | OPTIMA HEALTH PLAN | 341 | $2.0M |
| Other(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 531 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.