| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY, INC. | 397 LITTLE NECK RD. STE. 108 VIRGINIA BEACH, VA 23452 | UNITED CONCORDIA INSURANCE COMPANY | $1K | $0 | $1K | 4.99% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 397 LITTLE NECK RD STE 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK RD STE 108 VIRGINIA BEACH, VA 23452 | CONTINENTAL AMERICAN INSURANCE COMPANY | $86 | $0 | $86 | 1.11% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | $0 | $55 | 0.71% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 | 11310 EAST OCEAN VIEW AVE NORFOLK, VA 23503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.21% |
| GLENN E SMITH3 | 1136 MASTERS ROW CHESAPEAKE, VA 23220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.17% |
| PHILLIP A GREER3 | 1025 EXECUTIVE BLVD STE 111 CHEASAPEAKE, VA 23220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | $0 | $9 | 0.12% |
| CHRISTOPHER THOMAS HIPP3 Filed as: CHRISTOPHER T HIPP | 718 MAIN STE 205 HAYS, VA 67601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 397 LITTLE NECK RD STE 108 VIRGINIA BEACH, VA 23452 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.99% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 397 LITTLE NECK RD STE 108 VIRGINIA BEACH, VA 23452 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.01% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK RD STE 108 VIRGINIA BEACH, VA 23452 | VISION SERVICE PLAN | $514 | $0 | $514 | 9.84% |
| THE FRIEDEN AGENCY INC3 | 397 LITTLE NECK RD. STE. 108 BLDG 3300 VIRGINIA BEACH, VA 23452 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $522 | $0 | $522 | 10.01% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $105 | $11 | $116 | 2.32% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 397 LITTLE NECK RD. VIRGINIA BEACH, VA 23452 | AFLAC | $94 | $0 | $94 | 1.88% |
| FRANKLIN L JESTER3 | PO BOX 654 FRANKLIN, VA 23851 | AFLAC | $69 | $0 | $69 | 1.38% |
| GLENN E SMITH3 | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $45 | $3 | $48 | 0.96% |
| DOUGLAS GREGORY3 Filed as: DOUGLAS W GREGORY | 4304 PONTIAC CIR SUFFOLK, VA 23434 | AFLAC | $46 | $0 | $46 | 0.92% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 | 1310 E OCEAN VIEW AVE NORFOLK, VA 23503 | AFLAC | $28 | $0 | $28 | 0.56% |
| PHILLIP GREER3 Filed as: PHILLIP GREEER | 2881 BALD EAGLE RD VIRGINIA BEACH, VA 23453 | AFLAC | $27 | $0 | $27 | 0.54% |
| PAUL E KAPLAN3 | PO BOX 1120 FRANKLIN, VA 23851 | AFLAC | $23 | $0 | $23 | 0.46% |
| ALH BENEFITS LLC3 | 4975 LACROSS RD STE 201 NORTH CHARLESTON, SC 29406 | AFLAC | $18 | $0 | $18 | 0.36% |
| DONALD B ORRELL3 | 1581 CHERRY GROVE RD N SUFFOLK, VA 23432 | AFLAC | $15 | $0 | $15 | 0.30% |
| NAKIA M BOPP3 | 1985 RIVIERA DR STE 103-205 MT PLEASANT, SC 29464 | AFLAC | $14 | $0 | $14 | 0.28% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $11 | $0 | $11 | 0.22% |
| CHAD T KNAPP3 | 3182 KLINE DR VIRGINIA BEACH, VA 23452 | AFLAC | $9 | $0 | $9 | 0.18% |
| BRIAN HILL3 | 102 SCALLOP PL GOLDSBORO, NC 27530 | AFLAC | $9 | $0 | $9 | 0.18% |
| SHANNON L TROWBRIDGE3 | 202 SPRINGRISE LN SUMMERVILLE, SC 29486 | AFLAC | $8 | $0 | $8 | 0.16% |
| BENEFICIAL WELLNESS INC3 | 303 BARON BLVD SUFFOLK, VA 23435 | AFLAC | $7 | $0 | $7 | 0.14% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $4 | $0 | $4 | 0.08% |
| CHARLEEN A WRIGHT3 | 3816 COYOTE CIR VIRGINIA BEACH, VA 23456 | AFLAC | $4 | $0 | $4 | 0.08% |
| GISELLE BETH MILOWITZ3 | 753 BELLOWS WAY APT 301 NEWPORT NEWS, VA 23602 | AFLAC | $4 | $0 | $4 | 0.08% |
| KARI MARION3 | 2713 LAKE RIDGE CT CHESAPEAKE, VA 23323 | AFLAC | $3 | $0 | $3 | 0.06% |
| GREGORY W LAWRENCE3 | 1025 EXECUTIVE BLVD STE 111 CHESAPEAKE, VA 23320 | AFLAC | $3 | $0 | $3 | 0.06% |
| BRADFORD KLAVAN3 | 4004 ATLANTIC AVE APT 410 VIRGINIA BEACH, VA 23451 | AFLAC | $2 | $0 | $2 | 0.04% |
| CONNIE M HOLT3 | 401 TRAIL RD FRANKLIN, VA 23851 | AFLAC | $2 | $0 | $2 | 0.04% |
| WALTER E APELT3 | 708 YORKTOWN RD POQUOSON, VA 23662 | AFLAC | $2 | $0 | $2 | 0.04% |
| ANDREA L SHERMAN3 | 2428 ALMED AVE STE 300 NORFOLK, VA 23513 | AFLAC | $2 | $0 | $2 | 0.04% |
| GARY W JOHNSON3 | 123 CENTER PARK DR STE 102 KNOXVILLE, TN 37922 | AFLAC | $1 | $0 | $1 | 0.02% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $1 | $0 | $1 | 0.02% |
| DAYTON LLC3 | 5445 OTC PARKWAY STE. 10236 GREENWOOD VILLAGE, CO 80111 | AFLAC | $1 | $0 | $1 | 0.02% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $1 | $0 | $1 | 0.02% |
| NICHOLAS WAGNER3 | 4665 HAYGOOD RD STE 402 VIRGINIA BEACH, VA 23455 | AFLAC | $1 | $0 | $1 | 0.02% |
| RICHARD KRESINSKE3 | — | AFLAC | $0 | $0 | $0 | 0.00% |
| ROY CHILDRESS3 Filed as: ROY MUNSTER | — | AFLAC | $0 | $0 | $0 | 0.00% |
| LINDSEY JO MARTIN3 | 1450 B ULMER ST GREENWOOD, AR 72936 | AFLAC | $0 | $0 | $0 | 0.00% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $0 | $0 | $0 | 0.00% |
| GREGORY D HILL3 | 16142 SWALLOWTAIL PL MIDLOTHIAN, VA 23113 | AFLAC | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 54402 | $38K |
| TOWNE INSURANCE AGENCY LLC EIN 31-1774380 BROKER | Other commissions Service code 55 | 301 BENDIX RD #300 VIRGINIA BEACH, VA 23452 | $12K |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 167 | $29K |
| Vision | VISION SERVICE PLAN | 138 | $5K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 85 | $12K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 84 | $11K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 34 | $7K |
| Stop-loss / reinsurancereinsurance | ATLANTIC SPECIALTY INSURANCE COMPANY | 154 | $98K |
| Other(5 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 142 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.