| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 397 LITTLE NECK ROAD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC | $8K | $533 | $8K | 2.27% |
| TFA BENEFITS3 | 397 LITTLE NECK ROAD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC | $20 | $0 | $20 | 0.01% |
| THE FRIEDEN AGENCY INC3 | 397 LITTLE NECK ROAD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 3.84% |
| THE FRIEDEN AGENCY INC3 | 397 LITTLE NECK ROAD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 5.92% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 397 LITTLE NECK ROAD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | ANTHEM LIFE INSURANCE COMPANY | $9K | $982 | $10K | 10.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHKEEPERS, INC | Float revenue; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $106K |
| FRIEDEN AGENCY, LLC | Non-monetary compensation; Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $54K |
| ANTHEM HEALTH PLANS OF VIRGINIA | Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $32K |
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 | 516 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 519 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC | 324 | $370K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC | 395 | $227K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 516 | $92K |
| Short-term disability | STANDARD INSURANCE COMPANY | 251 | $93K |
| Long-term disability | STANDARD INSURANCE COMPANY | 251 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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.