| 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 | $8K | $61K | $69K | 1.58% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | ANTHEM LIFE INSURANCE COMPANY | $8K | $630 | $9K | 6.51% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 11.33% |
| THE FRIEDEN AGENCY INC3 | 277 BENDIX ROAD, SUITE 500 VIRGINIA BEACH, VA 23452 | VISION SERVICE PLAN | $1K | — | $1K | 3.52% |
| THE FRIEDEN AGENCY INC3 | 3300 BUILDING VIRGINIA BEACH, VA 23452 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $513 | — | $513 | 5.73% |
| SUZANNE R BROSEMER3 | 6889 WOODSVILLE ROAD HAYES, VA 23072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | — | $166 | 1.86% |
| AFFORDABLE BENEFITS LLC3 | 1972 WINTERHAVEN DRIVE VIRGINIA BEACH, VA 23456 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | — | $94 | 1.05% |
| NATOSIA VENUS MCNAIR3 | 9005 DANWOOD MANOR TERRACE RICHMOND, VA 23227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | — | $26 | 0.29% |
| JOHN E CUMMINGS1 | 204 QUAYSIDE CIRCLE #501 MAITLAND, FL 32751 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.25% |
| RAYMOND J SUSNIK3 | 5252 CLUBHEAD ROAD VIRGINIA BEACH, VA 23455 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $18 | — | $18 | 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 | 528 | 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) | 529 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 557 | $4.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 557 | $4.3M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 557 | $4.4M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 528 | $252K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 528 | $127K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 208 | $133K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 528 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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.