| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 277 BENDIX ROAD #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | $26K | $0 | $26K | 3.16% |
| TFA BENEFITS3 | 277 BENDIX ROAD #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | $10K | $0 | $10K | 3.08% |
| TFA BENEFITS3 | 277 BENDIX ROAD #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | $6K | $0 | $6K | 2.95% |
| TFA BENEFITS3 | 277 BENDIX ROAD #500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | OPTIMA HEALTH PLAN | $4K | $0 | $4K | 3.09% |
| TOWNE INSURANCE AGENCY LLC3 Filed as: TOWNE BENEFITS | 397 LITTLE NECK RD. STE. 108 BUILDING 3300 VIRGINIA BEACH, VA 23452 | DELTA DENTAL OF VIRGINIA | $8K | $0 | $8K | 7.49% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK RD #108 VIRGINIA BEACH, VA 23452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 13.17% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S RIVERSIDE PLAZA STE 1100 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.00% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 277 BENDIX RD STE 500 CONVERGENCE CENTER II VIRGINIA BEACH, VA 23452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $907 | $4K | 13.24% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S RIVERSIDE PLAZA STE 1100 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $840 | $840 | 3.00% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 397 LITTLE NECK ROAD 3300 BUILDING SUITE 108 VIRGINIA BEACH, VA 23452 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $818 | $0 | $818 | 3.82% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY, LLC | 397 LITTLE NECK ROAD 3300 BUILDING SUITE 200 VIRGINIA BEACH, VA 23452 | DELTA VISION / STRYDEN, INC. | $1K | $0 | $1K | 8.44% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK RD STE 108 BUILDING 3300 VIRGINIA BEACH, VA 23452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $445 | $2K | 13.18% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S RIVERSIDE PLAZA STE 1100 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $420 | $420 | 3.00% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK RD STE 108 BUILDING 3300 VIRGINIA BEACH, VA 23452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $896 | $289 | $1K | 13.23% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S RIVERSIDE PLAZA STE 1100 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $269 | $269 | 3.00% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 277 BENDIX RD STE 500 VIRGINIA BEACH, VA 23452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $189 | $65 | $254 | 13.43% |
| AON CONSULTING INC3 Filed as: BSWIFT LLC | 10 S RIVERSIDE PLAZA STE 1100 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $57 | $57 | 3.01% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | OPTIMA HEALTH PLAN | 85 | $1.5M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF VIRGINIA | 229 | $123K |
| Vision | DELTA VISION / STRYDEN, INC. | 138 | $15K |
| Life insurance(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $60K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $38K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 140 | $35K |
| Prescription drug(4 contracts) | OPTIMA HEALTH PLAN | 85 | $1.5M |
| Other(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.