| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | ANTHEM HEALTH PLANS OF VA | $17K | $1K | $18K | 3.19% |
| THE SPINDEL AGENCY3 | 277 BENDIX RD STE 500 VIRGINIA BEACH, VA 23452 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 15.26% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | THE STANDARD LIFE INSURANCE | $7K | $1K | $8K | 12.57% |
| THE SPINDEL AGENCY3 | 277 BENDIX RD STE 500 VIRGINIA BEACH, VA 23452 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 15.48% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | ANTHEM LIFE INSURANCE | $2K | $0 | $2K | 9.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHKEEPERS INC | Claims processing; Float revenue; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $182K |
| FRIEDEN AGENCY LLC | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $34K |
| ANTHEM HEALTH PLANS OF VIRGINIA | Other services; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; 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 | 354 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VA | 247 | $577K |
| Dental | ANTHEM HEALTH PLANS OF VA | 247 | $577K |
| Vision | ANTHEM HEALTH PLANS OF VA | 247 | $577K |
| Life insurance(2 contracts, 2 carriers) | THE STANDARD LIFE INSURANCE | 354 | $90K |
| Short-term disability | STANDARD INSURANCE COMPANY | 159 | $63K |
| Long-term disability | STANDARD INSURANCE COMPANY | 159 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.