| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $31K | $31K | 4.21% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY INC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $6K | $6K | 0.79% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 8.28% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN AG | 161 WASHINGTON STREET STE1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $255 | $255 | 0.93% |
| THE FRIEDEN AGENCY DBA TOWNE BENEFI3 | 397 LITTLE NECK ROAD VIRGINIA BEACH, VA 23452 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $178 | $0 | $178 | 0.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 12.67% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | DBA TOWNE BENEFITS 397 LITTLE NECK ROAD VIRGINIA BEACH, VA 23452 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $191 | $0 | $191 | 1.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN AG | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $146 | $146 | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 350 CONSHOHOCKEN, PA 19428 | VISION SERVICE PLAN | $785 | $0 | $785 | 5.98% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PL STE 1600 NORFOLK, VA 23510 | VISION SERVICE PLAN | $76 | $0 | $76 | 0.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $50 | $0 | $50 | 2.01% |
| FRIEDMAN FINANCIAL SERVICES INC3 Filed as: FRIEDMAN AGENCY INC | 192 BALLARD COURT SUITE 310 VIRGINIA BEACH, VA 23462 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $41 | $0 | $41 | 1.65% |
| JOHN E CUMMINGS3 | 1239 OCEAN SHORE BLVD APT 5A ORMOND BEACH, FL 32176 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 1.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 7701 AIRPORT CENTER DR GREENSBORO, NC 27409 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $0 | $25 | 1.00% |
| BENJAMIN POMEROY3 | 66 WEST SQUARE DR RICHMOND, VA 23238 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $0 | $8 | 0.32% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $142 | $0 | $142 | 10.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN AG | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $13 | $13 | 0.93% |
| THE FRIEDEN AGENCY DBA TOWN BENEFIT3 | 397 LITTLE NECK ROAD VIRGINIA BEACH, VA 23452 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13 | $0 | $13 | 0.93% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 66 | $739K |
| Vision | VISION SERVICE PLAN | 72 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $27K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 107 | $3K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 107 | $16K |
| Other(3 contracts, 3 carriers) | LEGAL RESOURCES | 110 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.