| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY INC | 397 LITTLE NECK ROAD, STE 108 3300 BUILDING VIRGINIA BEACH, VA 23452 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$3 | $97K | $97K | 2.36% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK ROAD, STE 108 3300 BUILDING VIRGINIA BEACH, VA 23452 | ANTHEM LIFE INSURANCE COMPANY | $6K | $1K | $8K | 6.59% |
| THE FRIEDEN AGENCY INC3 | 397 LITTLE NECK ROAD 3300 BUILDING SUITE 108 VIRGINIA BEACH, VA 23452 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 10.63% |
| THE FRIEDEN AGENCY INC3 | 277 BENDIX ROAD, SUITE 500 VIRGINIA BEACH, VA 23452 | VISION SERVICE PLAN | $3K | — | $3K | 11.24% |
| THE FRIEDEN AGENCY INC3 | 3300 BUILDING VIRGINIA BEACH, VA 23452 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $175 | — | $175 | 1.89% |
| SUZANNE R BROSEMER3 | 6889 WOODSVILLE ROAD HAYES, VA 23072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $153 | — | $153 | 1.65% |
| AFFORDABLE BENEFITS LLC3 | 1972 WINTERHAVEN DRIVE VIRGINIA BEACH, VA 23456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | 0.95% |
| NATOSIA VENUS MCNAIR3 | 9005 DANWOOD MANOR TRACE RICHMOND, VA 23227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.26% |
| JOHN E CUMMINGS1 | 204 QUAYSIDE CIRCLE #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.23% |
| RAYMOND J SUSNIK3 | 5252 CLUBHEAD ROAD VIRGINIA BEACH, VA 23455 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.20% |
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 | 425 | 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) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 484 | $4.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 484 | $4.1M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 484 | $4.1M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 425 | $222K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 425 | $116K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 203 | $115K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 425 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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.