| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | HEALTHKEEPERS, INC. | $59K | $3K | $62K | 1.94% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23410 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $53K | $3K | $56K | 1.94% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | STANDARD INSURANCE COMPANY | $19K | — | $19K | 10.96% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | ANTHEM LIFE INSURANCE COMPANY | $9K | $3K | $12K | 9.12% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PLACE NORFOLK, VA 23510 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | — | $179 | 2.25% |
| SUZANNE R BROSEMER3 | 6889 WOODSVILLE ROAD HAYES, VA 23072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $161 | — | $161 | 2.02% |
| NATOSIA VENUS MCNAIR3 | 9005 DANWOOD MANOR TERRACE RICHMOND, VA 23227 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.31% |
| JOHN E CUMMINGS1 | 815 OCEAN SHORE BLVD #2B ORMOND BEACH, FL 32176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $22 | — | $22 | 0.28% |
| RAYMOND J SUSNIK3 | 5252 CLUBHEAD ROAD VIRGINIA BEACH, VA 23455 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.19% |
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 | 602 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 606 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTHKEEPERS, INC. | 621 | $6.1M |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 621 | $2.9M |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 621 | $2.9M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 602 | $305K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 602 | $184K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 244 | $129K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 602 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 621 | — |
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.