| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 397 LITTLE NECK RD. STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA INC./HEALTHKEEPERS INC. | $141K | $0 | $141K | 1.88% |
| TFA BENEFITS3 | 397 LITTLE NECK RD. STE. 108 BUILDING 3300 VIRGINIA BEACH, VA 23452 | ANTHEM LIFE INSURANCE COMPANY | $90K | $55K | $144K | 18.97% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 397 LITTLE NECK RD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | UNITED CONCORDIA COMPANIES, INC. | $21K | $0 | $21K | 3.00% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK RD. STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $18K | $0 | $18K | 7.83% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G. SMITH | 311 NAPLES CT. CHESAPEAKE, VA 23322 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $15K | $0 | $15K | 6.36% |
| SHAWN K STEPHENS3 Filed as: SHAWN K. STEPHENS | 293 INDEPENDENCE BLVD. STE. 218 VIRGINIA BEACH, VA 23462 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $5K | $0 | $5K | 2.34% |
| GLENN E SMITH3 Filed as: GLENN E. SMITH | 311 NAPLES CT. CHESAPEAKE, VA 23322 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $5K | $0 | $5K | 2.21% |
| LEIANN D WATKINS3 Filed as: LEIANN D. WATKINS | 2325 SEA SHELL RD 304 VIRGINIA BEACH, VI 23451 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $3K | $0 | $3K | 1.46% |
| DAVID N MORGAN3 Filed as: DAVID N. MORGAN | 11520 NUCKOLS RD., STE. 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $3K | $0 | $3K | 1.18% |
| SHELLY JEAN HAYES3 | 1113 SONOMA CV BRANDON, MS 39047 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $3K | $0 | $3K | 1.17% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G. SMITH | 311 NAPLES CT. CHESAPEAKE, VA 23322 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $2K | $0 | $2K | 0.88% |
| BRENDA M MALANEY3 | 501 SUNNIGHILL CT. VIRGINIA BEACH, VA 23451 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $2K | $0 | $2K | 0.85% |
| DAVID W HARLESS3 | 3412 MANOR GROVE CR. GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $1K | $0 | $1K | 0.45% |
| MINDY Y GRIFFIN3 | 7797 WAPITI STREET PORTAGE, MI 49002 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $1K | $0 | $1K | 0.45% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $980 | $0 | $980 | 0.42% |
| KELLY E MCCLAIN3 | PO BOX 94786 NORTH LITTLE ROCK, AR 72190 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $976 | $0 | $976 | 0.42% |
| ANDREA L DUHON3 | 309 LYNNHAVEN PKWY. VIRGINIA BEACH, VA 23452 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $842 | $0 | $842 | 0.36% |
| AMELIA MORGAN3 | 1904 ELLIS DRIVE MAIDENS, VA 23102 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $412 | $0 | $412 | 0.18% |
| MARK D LUTHER3 | 804 MOOREFIELD PARK DR. STE. 106 RICHMOND, VA 23236 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $241 | $0 | $241 | 0.10% |
| DEBORAH H HALL3 | 601 CRESCENT BLVD. STE. 300 RIDGELAND, MS 39157 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $214 | $0 | $214 | 0.09% |
| CHRISTOPHER D LACKS3 Filed as: CHRISTOPHER D. LACKS | 4558 LITTLE RIDGE LN. CHESTERFIELD, VA 23832 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $169 | $0 | $169 | 0.07% |
| JON H DAVENPORT3 | 9 BAER CREER TRL. SEGUIN, TX 78155 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $108 | $0 | $108 | 0.05% |
| RICHARD J KRESINSKE3 | PO BOX 15341 CHESAPEAKE, VA 23328 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $101 | $0 | $101 | 0.04% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD. STE. 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $101 | $0 | $101 | 0.04% |
| NICHOLAS WAGNER3 | 729 MANOR DRIVE VIRGINIA BEACH, VA 23454 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $98 | $0 | $98 | 0.04% |
| RUSSELL W TINNEY3 | 11520 NUCKOLS RD. STE. 103 GLEN ALLEN, VA 23059 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $68 | $0 | $68 | 0.03% |
| KEVIN E PLUMB3 Filed as: KEVIN E. PLUMB | 3228 DEER PARK DR. VIRGINIA BEACH, VA 23452 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $66 | $0 | $66 | 0.03% |
| KRYSTAL FIELDS INC3 Filed as: KRYSTAL FIELDS INC. | 50 HARVARD RD PORTSMOUTH, VA 23701 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $64 | $0 | $64 | 0.03% |
| CHARLES MORGAN3 | 1721 SWAN LAKE CRESCENT CHESAPEAKE, VA 23321 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $54 | $0 | $54 | 0.02% |
| PAUL E KAPLAN3 | PO BOX 1120 FRANKLIN, VA 23851 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $37 | $0 | $37 | 0.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: JAMES GRAYDON BROWN | 355 SCOTT BROWN DR. POWDER SPRINGS, GA 30127 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $35 | $0 | $35 | 0.02% |
| GAIL I BEAGLE3 | 323 HUNTS NECK ROAD POQUOSON, VA 23662 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $21 | $0 | $21 | 0.01% |
| MARK D LUTHER3 | 804 MOOREFIELD PARK DR. STE. 106 RICHMOND, VA 23236 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $19 | $0 | $19 | 0.01% |
| TRACI D WAGNER3 | 1508 BACK COVE RD VIRGINIA BEACH, VA 23454 | CONTINENTAL AMERICAN INSURANCE COMPANY/AFLAC | $4 | $0 | $4 | 0.00% |
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN GROUP, INC. | 397 LITTLE NECK RD STE 108 BUILDING 3300 VIRGINIA BEACH, VA 23452 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.51% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY, INC. | 397 LITTLE NECK RD. STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | SPECIAL INSURANCE SERVICES, INC./FIDELITY SECURITY LIFE | $1K | $0 | $1K | 15.00% |
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 | 1,325 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 34 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA INC./HEALTHKEEPERS INC. | 1,131 | $7.5M |
| Dental | UNITED CONCORDIA COMPANIES, INC. | 1,178 | $696K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA INC./HEALTHKEEPERS INC. | 1,131 | $7.6M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 1,370 | $760K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 1,370 | $760K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA INC./HEALTHKEEPERS INC. | 1,131 | $7.5M |
| Other(4 contracts, 4 carriers) | ANTHEM LIFE INSURANCE COMPANY | 1,370 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,370 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.