| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | HEALTHKEEPERS, INC. | $5K | $0 | $5K | 0.74% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY, LLC | 3 COMMERICAL PLACE NORFOLK, CA 23510 | HEALTHKEEPERS, INC. | $5K | $0 | $5K | 0.71% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | $4K | $0 | $4K | 0.74% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY, LLC | 3 COMMERICAL PLACE NORFOLK, CA 23510 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | $4K | $0 | $4K | 0.71% |
| TOWNE INSURANCE AGENCY LLC3 Filed as: TOWNE BENEFITS | UNKNOWN NORFOLK, VA 23510 | UNITED CONCORDIA INSURANCE COMPANY | $706 | $56 | $762 | 1.87% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | UNITED CONCORDIA INSURANCE COMPANY | $593 | $0 | $593 | 1.45% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.27% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY, LLC | 3 COMMERCIAL PLACE, SUITE 1600 NORFOLK, VA 23510 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.36% |
| AON CONSULTING INC3 Filed as: BSWIFT, LLC | 500 WEST MONROE, SUITE 3800 CHICAGO, IL 60661 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.81% |
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 | 166 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 158 | $1.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 195 | $41K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 158 | $548K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $40K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 163 | $40K |
| Prescription drug(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 158 | $1.2M |
| Other(5 contracts, 5 carriers) | HEALTHKEEPERS, INC. | 166 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.