| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY INC | 3 COMMERCIAL PLACE NORFLOK, VA 23510 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | $22K | $0 | $22K | 2.40% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINA BEACH, VA 23466 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | $4K | $0 | $4K | 0.42% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY INC | 3 COMMERCIAL PLACE NORFLOK, VA 23510 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 4.09% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PLACE, SUITE 1600 NORFLOK, VA 23510 | STANDARD INSURANCE COMPANY | $5K | $0 | $5K | 2.55% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 1.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $458 | $0 | $458 | 0.21% |
| TFA BENEFITS3 | UNKNOWN VIRGINIA BEACH, VA 23462 | LEGAL RESOURCES | $634 | $0 | $634 | 5.84% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | UNKNOWN VIRGINIA BEACH, VA 23462 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $474 | $0 | $474 | 4.60% |
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 | 317 | 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) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 336 | $910K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 336 | $900K |
| Vision | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 336 | $900K |
| Life insurance | STANDARD INSURANCE COMPANY | 203 | $213K |
| Short-term disability | STANDARD INSURANCE COMPANY | 203 | $213K |
| Long-term disability | STANDARD INSURANCE COMPANY | 203 | $213K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 336 | $910K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 203 | $224K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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."
No prospect flags tripped on this filing.