| 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 | $276K | $25K | $302K | 11.80% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $0 | $16K | 0.64% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | VISION SERVICE PLAN | $5K | $0 | $5K | 2.09% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY, LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | $757 | $36K | 21.11% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.65% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLAN STE 1600 NORFOLK, VA 23510 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $925 | $32K | 21.22% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $628 | $19K | 22.04% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY INC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $217K | $0 | $217K | — |
| 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 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INS. CO. EIN 59-1031071 TPA | Contract Administrator; Direct payment from the plan; Other services; Participant communication; Claims processing; Non-monetary compensation; Named fiduciary; Float revenue Service code 12 | — | $1.4M |
| EVERNORTH BEHAVIORAL HEALTH INC EIN 41-1648670 TPA | Participant communication; Claims processing; Contract Administrator; Direct payment from the plan Service code 12 | — | $47K |
| CIGNA | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Other services; Contract Administrator; Direct payment from the plan Service code 12 | — | $0 |
| EVERNORTH BEHAVORIAL HEALTH, INC. | Direct payment from the plan; Contract Administrator; Participant communication; Claims processing 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 | 2,572 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 33 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,576 | $406K |
| Dental | DELTA DENTAL OF VIRGINIA | 1,718 | $0 |
| Vision | VISION SERVICE PLAN | 1,529 | $216K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,997 | $2.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,997 | $2.6M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,997 | $2.6M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,576 | $0 |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,997 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,997 | — |
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.