| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 3300 BUILDING SUITE 108 397 LITTLE NECK ROAD VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA | $15K | — | $15K | 1.25% |
| TFA BENEFITS3 | 397 LITTLE NECK ROAD STE 108 VIRGINIA BEACH, VA 23452 | HEALTHKEEPERS, INC | $11K | — | $11K | 1.25% |
| TFA BENEFITS3 | 397 LITTLE NECK ROAD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC | $4K | — | $4K | 2.97% |
| TFA BENEFITS3 | 397 LITTLE NECK ROAD STE 108, BLDG 3300 VIRGINIA BEACH, VA 23452 | ANTHEM LIFE INSURANCE COMPANY | $7K | — | $7K | 9.24% |
| TFA BENEFITS3 | 397 LITTLE NECK ROAD STE 108 VIRGINIA BEACH, VA 23452 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 5.45% |
| SUZANNE R BROSEMER3 | 6889 WOODSVILLE ROAD HAYES, VA 23072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $295 | $17 | $312 | 3.00% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 3300 BLDG VIRGINIA BEACH, VA 23452 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $309 | — | $309 | 2.97% |
| AFFORDABLE BENEFITS LLC3 | 101 N LYNNHAVEN RD VIRGINIA BEACH, VA 23452 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $100 | — | $100 | 0.96% |
| NATOSIA VENUS MCNAIR3 | 9005 DANWOOD MANOR TERRACE RICHMOND, VA 23703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $92 | $6 | $98 | 0.94% |
| JOHN E CUMMINGS3 | PO BOX 5936 GLENN ALLEN, VA 23058 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $51 | $11 | $62 | 0.60% |
| RAYMOND J SUSNIK3 | 5252 CLUB HEAD ROAD VIRGINIA BEACH, VA 23455 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.31% |
| LAURA H MILLEN3 | 8023 AINSDALE LN CHESTERFIELD, VA 23832 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $2 | $6 | 0.06% |
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 | 294 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 298 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA | 217 | $2.1M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC | 296 | $133K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA | 217 | $1.2M |
| Life insurance(3 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 254 | $130K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 147 | $73K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 254 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.