| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TFA BENEFITS3 | 397 LITTLE NECK RD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $4K | $0 | $4K | 0.44% |
| ACRISURE LLC3 | 16 W 36TH ST 11TH FL NEW YORK, NY 10018 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $1K | $0 | $1K | 2.23% |
| TFA BENEFITS3 | 397 LITTLE NECK RD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $474 | $0 | $474 | 1.03% |
| ACRISURE LLC3 | 16 W 36TH ST 11TH FL NEW YORK, NY 10018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $64 | $1K | 13.04% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK RD STE 108 VIRGINIA BEACH, VA 23452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $228 | $0 | $228 | 2.72% |
| ACRISURE LLC3 | 16 W 36TH ST 11TH FL NEW YORK, NY 10018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $499 | $27 | $526 | 8.96% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK RD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $88 | $0 | $88 | 1.50% |
| ACRISURE LLC3 | 16 W 36TH ST 11TH FL NEW YORK, NY 10018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $619 | $36 | $655 | 11.62% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK RD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $111 | $0 | $111 | 1.97% |
| ACRISURE LLC3 | 16 W 36TH ST 11TH FL NEW YORK, NY 10018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $572 | $44 | $616 | 11.79% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK RD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $113 | $0 | $113 | 2.16% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 102 | $839K |
| Dental | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 96 | $46K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 102 | $845K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $5K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 28 | $6K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 65 | $8K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 94 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.