| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $4K | $0 | $4K | 0.74% |
| THE FRIEDEN AGENCY INC3 | 277 BENDIX RD STE 500 VIRGINIA BEACH, VA 23452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $3K | $20K | 9.83% |
| RONALD F SPINDEL3 Filed as: RONALD F. SPINDEL | 277 BENDIX RD STE 500 VIRGINIA BEACH, VA 23452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.68% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 3.92% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | ANTHEM LIFE INSURANCE COMPANY | $11K | $478 | $11K | 10.45% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 5.78% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHKEEPERS, INC | Claims processing; Contract Administrator; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $108K |
| FRIEDEN AGENCY, LLC | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | — | $51K |
| ANTHEM HEALTH PLANS OF VIRGINIA, IN | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Claims processing Service code 12 | — | $43K |
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 | 501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 329 | $499K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 381 | $199K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 329 | $499K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 501 | $106K |
| Short-term disability | STANDARD INSURANCE COMPANY | 246 | $95K |
| Long-term disability | STANDARD INSURANCE COMPANY | 246 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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."
No prospect flags tripped on this filing.