| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY, INC. | UNKNOWN VIRGINIA BEACH, VA 23452 | UNITED CONCORDIA INSURANCE COMPANY | $11K | — | $11K | 3.03% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY, INC. | 397 LITTLE NECK ROAD BUILDING 3300, SUITE 200 VIRGINIA BEACH, VA 23452 | STANDARD INSURANCE COMPANY | $5K | $2K | $7K | 5.74% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 397 LITTLE NECK ROAD BUILDING 3300, SUITE 200 VIRGINIA BEACH, VA 23452 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 5.00% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 397 LITTLE NECK ROAD BUILDING 3300, SUITE 200 VIRGINIA BEACH, VA 23452 | AMERITAS LIFE INSURANCE CORP. | $2K | — | $2K | 5.00% |
| FORMAN, BETSY, PACE3 | 5762 VIRGINIA PARK DRIVE PROVIDENCE FORGE, VA 23140 | AMERITAS LIFE INSURANCE CORP. | $715 | — | $715 | 1.57% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY, INC. | 397 LITTLE NECK ROAD BUILDING 3300, SUITE 200 VIRGINIA BEACH, VA 23452 | HARTFORD LIFE AND ACCIDENT | $2K | $867 | $3K | 9.70% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK ROAD BUILDING 3300, SUITE 108 VIRGINIA BEACH, VA 23452 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 11.65% |
| TFA BENEFITS3 | 397 LITTLE NECK ROAD, SUITE 108 VIRGINIA BEACH, VA 23452 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $183 | — | $183 | 10.03% |
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 | 546 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,092 | $347K |
| Vision(2 contracts) | AMERITAS LIFE INSURANCE CORP. | 1,045 | $106K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 440 | $43K |
| Long-term disability(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 440 | $161K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 440 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,092 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.