| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 397 LITTLE NECK ROAD, SUITE 108 VIRGINIA BEACH, VA 23452 | HEALTHKEEPERS, INC | $14K | $0 | $14K | 2.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62817 VIRGINIA BEACH, VA 23466 | HEALTHKEEPERS, INC | $8K | $0 | $8K | 1.19% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | UNKNOWN NEWPORT NEWS, VA 23606 | ANTHEM BLUE CROSS BLUE SHIELD | $4K | $0 | $4K | 5.20% |
| TFA BENEFITS3 | UNKNOWN NEWPORT NEWS, VA 23606 | ANTHEM BLUE CROSS BLUE SHIELD | $3K | $0 | $3K | 4.74% |
| TFA BENEFITS3 | 397 LITTLE NECK ROAD, SUITE 108 VIRGINIA BEACH, VA 23452 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62937 VIRGINIA BEACH, VA 23466 | ANTHEM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.83% |
| THE FRIEDEN AGENCY INC Filed as: THE FRIEDEN AGENCY, INC | 397 LITTLE NECK ROAD, SUITE 200 VIRGINIA BEACH, VA 23452 | VISION SERVICE PLAN | $519 | $0 | $519 | 4.70% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 101 WEST MAIN STREET, SUITE 900 NORFOLK, VA 23510 | VISION SERVICE PLAN | $351 | $0 | $351 | 3.18% |
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 | 92 | 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) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHKEEPERS, INC | 92 | $660K |
| Dental | ANTHEM BLUE CROSS BLUE SHIELD | 102 | $69K |
| Vision | VISION SERVICE PLAN | 56 | $11K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 48 | $22K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 48 | $22K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 48 | $22K |
| Prescription drug | HEALTHKEEPERS, INC | 92 | $660K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 48 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.