| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | ANTHEM HEALTH PLANS OF VIRGINIA, INC | $3K | $0 | $3K | 0.71% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $0 | $19K | 10.00% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 13510 | ANTHEM LIFE INSURANCE | $10K | $2K | $12K | 11.99% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY INC. | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 4.94% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 6.80% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHKEEPERS, INC | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Float revenue Service code 12 | — | $170K |
| FRIEDEN AGENCY | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $43K |
| ANTHEM HEALTH PLANS OF VA | Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services; Contract Administrator Service code 12 | — | $0 |
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 | 378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC | 252 | $454K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 291 | $189K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA, INC | 252 | $454K |
| Life insurance | ANTHEM LIFE INSURANCE | 378 | $102K |
| Short-term disability | STANDARD INSURANCE COMPANY | 157 | $81K |
| Long-term disability | STANDARD INSURANCE COMPANY | 157 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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.