| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $39K | $0 | $39K | 3.98% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK ROAD 3300 BUILDING, SUITE 108 VIRGINIA BEACH, VA 23452 | STANDARD INSURANCE COMPANY | $27K | $8K | $36K | 3.68% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | UNKNOWN VIRGINIA BEACH, VA 23452 | UNITED CONCORDIA INSURANCE COMPANY | $162K | $96K | $258K | 68.85% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED CONCORDIA INSURANCE COMPANY | $7K | $0 | $7K | 1.97% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK ROAD 3300 BUILDING, SUITE 200 VIRGINIA BEACH, VA 23452 | AFLAC | $70K | $0 | $70K | 21.41% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $64K | $0 | $64K | 19.60% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 | 11310 EAST OCEAN VIEW AVENUE NORFOLK, VA 23503 | AFLAC | $18K | $0 | $18K | 5.36% |
| GLENN E SMITH3 | 1136 MASTERS ROW CHESAPEAKE, VA 23220 | AFLAC | $10K | $0 | $10K | 3.05% |
| KARI F MARION3 | 2713 LAKE RIDGE COURT CHESAPEAKE, VA 23323 | AFLAC | $5K | $0 | $5K | 1.58% |
| RACHEL K. HAWKINS HULBERT3 Filed as: RACHEL K HAWKINS HULBURT | 397 LITTLE NECK ROAD 3300 BUILDING, SUITE 108 VIRGINIA BEACH, VA 23452 | AFLAC | $151 | $0 | $151 | 0.05% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 300 VALHALLA, NY 10595 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $0 | $3K | 3.72% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 277 BENDIX ROAD, SUITE 500 VIRGINIA BEACH, VA 23452 | AMERITAS LIFE INSURANCE CORPORATION | $1K | $0 | $1K | 1.28% |
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 | 925 | 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) | 925 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,178 | $375K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,144 | $85K |
| Life insurance | STANDARD INSURANCE COMPANY | 925 | $972K |
| Long-term disability | STANDARD INSURANCE COMPANY | 925 | $972K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 925 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,178 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.