| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY INC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $154K | $0 | $154K | 17.32% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY INC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.93% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY INC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | STANDARD INSURANCE COMPANY | $6K | $4K | $10K | 5.85% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY INC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | STANDARD INSURANCE COMPANY | $4K | $5K | $9K | 5.76% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY INC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | STANDARD INSURANCE COMPANY | $5K | $2K | $7K | 6.62% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY INC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | STANDARD INSURANCE COMPANY | $43K | $0 | $43K | 49.18% |
| TOWNE INSURANCE AGENCY LLC3 Filed as: TOWNE BENEFITS | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.97% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $215 | $0 | $215 | 0.50% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | LEGAL RESOURCES | $2K | $0 | $2K | 5.72% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 TPA | Named fiduciary; Direct payment from the plan; Participant communication; Other services; Float revenue; Contract Administrator; Non-monetary compensation; Claims processing Service code 12 | 900 COTTAGE GROVE RD HARTFORD, CT 06152 | $30K |
| CIGNA | Non-monetary compensation; Direct payment from the plan; Contract Administrator; Other services; Participant communication; Named fiduciary; Claims processing; Float revenue 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 | 370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 73 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 458 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 290 | $888K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 303 | $177K |
| Vision | VISION SERVICE PLAN | 282 | $43K |
| Life insurance | STANDARD INSURANCE COMPANY | 438 | $169K |
| Short-term disability | STANDARD INSURANCE COMPANY | 438 | $162K |
| Long-term disability | STANDARD INSURANCE COMPANY | 438 | $108K |
| Other(2 contracts, 2 carriers) | LEGAL RESOURCES | 98 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.