| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 BLDG 3300 NORFOLK, VA 23510 | ANTHEM HEALTH PLAN OF VIRGINIA, INC. | $52K | $344 | $52K | 2.29% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.71% |
| ENROLLEASE3 Filed as: ENROLLEASE INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $608 | $0 | $608 | 1.20% |
| FREIDEN AGENCY LLC3 | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | ANTHEM LIFE INSURANCE COMPANY | $3K | $236 | $3K | 12.20% |
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 | 398 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLAN OF VIRGINIA, INC. | 398 | $2.3M |
| Dental | ANTHEM HEALTH PLAN OF VIRGINIA, INC. | 398 | $2.3M |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLAN OF VIRGINIA, INC. | 398 | $2.3M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 212 | $23K |
| Prescription drug | ANTHEM HEALTH PLAN OF VIRGINIA, INC. | 398 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.