| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | METROPOLITAN LIFE INSURANCE COMPANY | $254K | $0 | $254K | 9.94% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 504 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.15% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | VISION SERVICE PLAN | $3K | $0 | $3K | 1.26% |
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN GROUP, INC. | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | VISION SERVICE PLAN | $3K | $0 | $3K | 1.26% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $0 | $21K | 14.99% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $0 | $18K | 14.99% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY, LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $0 | $12K | 15.04% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | DELTA DENTAL OF VIRGINIA | $33K | $0 | $33K | — |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY INC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $216K | $0 | $216K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INS. CO. EIN 59-1031071 TPA | Float revenue; Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Claims processing; Named fiduciary; Contract Administrator Service code 12 | — | $1.3M |
| EVERNORTH BEHAVIORAL HEALTH INC EIN 41-1648670 TPA | Contract Administrator; Direct payment from the plan; Claims processing; Participant communication Service code 12 | — | $45K |
| CIGNA | Float revenue; Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Claims processing; Named fiduciary; Contract Administrator Service code 12 | — | $0 |
| EVERNORTH BEHAVORIAL HEALTH, INC. | Participant communication; Direct payment from the plan; Claims processing; 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 | 2,603 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,563 | $338K |
| Dental | DELTA DENTAL OF VIRGINIA | 3,246 | $0 |
| Vision | VISION SERVICE PLAN | 1,528 | $214K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,068 | $2.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,068 | $2.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,068 | $2.6M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,563 | $0 |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,068 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,068 | — |
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.