| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY, INC. | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | UNITED CONCORDIA INSURANCE COMPANY | $4K | $533 | $4K | 5.69% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 16.34% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.49% |
| TIFFANY SMITH3 | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $179 | $0 | $179 | 0.73% |
| PHILLIP GREER3 | 2881 BALD EAGLE RD VIRGINIA BEACH, VA 23453 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | $0 | $63 | 0.26% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 | 1310 E OCEAN VIEW AVE NORFOLK, VA 23503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | $0 | $43 | 0.18% |
| GLENN E SMITH3 Filed as: GLENN EDWIN SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | $0 | $42 | 0.17% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.84% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 19.61% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $923 | $2K | 16.34% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | VISION SERVICE PLAN | $874 | $0 | $874 | 6.15% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $255 | $0 | $255 | 2.22% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | AFLAC | $229 | $0 | $229 | 1.99% |
| FRANKLIN L JESTER3 | PO BOX 515 CARROLLTON, VA 23314 | AFLAC | $190 | $0 | $190 | 1.65% |
| DOUGLAS GREGORY3 Filed as: DOUGLAS W GREGORY | 4304 PONTIAC CIR SUFFOLK, VA 23434 | AFLAC | $128 | $0 | $128 | 1.11% |
| GLENN E SMITH3 | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $116 | $0 | $116 | 1.01% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 | 1310 E OCEAN VIEW AVE NORFOLK, VA 23503 | AFLAC | $75 | $0 | $75 | 0.65% |
| PHILLIP GREER3 Filed as: PHILLIP GREEER | 2881 BALD EAGLE RD VIRGINIA BEACH, VA 23453 | AFLAC | $70 | $0 | $70 | 0.61% |
| PAUL E KAPLAN3 | PO BOX 1120 FRANKLIN, VA 23851 | AFLAC | $63 | $0 | $63 | 0.55% |
| DONALD B ORRELL3 | 1581 CHERRY GROVE RD N SUFFOLK, VA 23432 | AFLAC | $42 | $0 | $42 | 0.37% |
| DAVID N MORGAN3 | 906 MERCHANT LEE PL MANAKIN SABOT, VA 23103 | AFLAC | $29 | $0 | $29 | 0.25% |
| CHAD T KNAPP3 | 3182 KLINE DR VIRGINIA BEACH, VA 23452 | AFLAC | $24 | $0 | $24 | 0.21% |
| BRIAN HILL3 | 102 SCALLOP PL GOLDSBORO, NC 27530 | AFLAC | $23 | $0 | $23 | 0.20% |
| GREGORY W LAWRENCE3 | 1025 EXECUTIVE BLVD STE 111 CHESAPEAKE, VA 23320 | AFLAC | $11 | $0 | $11 | 0.10% |
| KARI MARION3 | 119 S BUDDING AVE VIRGINIA BEACH, VA 23452 | AFLAC | $7 | $0 | $7 | 0.06% |
| ALH BENEFITS LLC3 | 2518 PRIVATE LEFLER DR JOHNS ISLAND, SC 29455 | AFLAC | $6 | $0 | $6 | 0.05% |
| BRADFORD KLAVAN3 | 4004 ATLANTIC AVE APT 410 VIRGINIA BEACH, VA 23451 | AFLAC | $6 | $0 | $6 | 0.05% |
| CONNIE M HOLT3 | 401 TRAIL RD FRANKLIN, VA 23851 | AFLAC | $6 | $0 | $6 | 0.05% |
| WALTER E APELT3 | 708 YORKTOWN RD POQUOSON, VA 23662 | AFLAC | $6 | $0 | $6 | 0.05% |
| NAKIA M BOPP3 | 1985 RIVIERA DR STE 103-205 MT PLEASANT, SC 29464 | AFLAC | $5 | $0 | $5 | 0.04% |
| CHARLEEN A WRIGHT3 | 2565 ALLEGHANY LOOP VIRGINIA BEACH, VA 23456 | AFLAC | $5 | $0 | $5 | 0.04% |
| SHANNON L TROWBRIDGE3 | 202 SPRINGRISE LN SUMMERVILLE, SC 29486 | AFLAC | $3 | $0 | $3 | 0.03% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $3 | $0 | $3 | 0.03% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $3 | $0 | $3 | 0.03% |
| NICHOLAS WAGNER3 | 1508 BACK COVE RD VIRGINIA BEACH, VA 23454 | AFLAC | $2 | $0 | $2 | 0.02% |
| BENEFICIAL WELLNESS INC3 | 303 BARON BLVD SUFFOLK, VA 23435 | AFLAC | $2 | $0 | $2 | 0.02% |
| BENEFICIAL WELLNESS INC3 | 303 BARON BLVD SUFFOLK, VA 23435 | AFLAC | $2 | $0 | $2 | 0.02% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $1 | $0 | $1 | 0.01% |
| GISELLE BETH MILOWITZ3 | 7214 PRO LN MILTON, FL 32570 | AFLAC | $1 | $0 | $1 | 0.01% |
| LINDSEY JO MARTIN3 | 1450 B ULMER ST GREENWOOD, AR 72936 | AFLAC | $1 | $0 | $1 | 0.01% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $1 | $0 | $1 | 0.01% |
| ANDREA L SHERMAN3 | 2428 ALMEDA AVE STE 300 NORFOLK, VA 23513 | AFLAC | $0 | $0 | $0 | 0.00% |
| GARY W JOHNSON3 | 802 LITTLE CREEK RD ANDERSON, SC 28621 | AFLAC | $0 | $0 | $0 | 0.00% |
| DAYTON LLC3 | 5445 DTC PARKWAY STE. 10236 GREENWOOD VILLAGE, CO 80111 | 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 | $103K |
| TOWNE INSURANCE AGENCY LLC EIN 31-1774380 BROKER | Other commissions Service code 55 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | $32K |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 147 | $75K |
| Vision | VISION SERVICE PLAN | 127 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 77 | $34K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 34 | $19K |
| Stop-loss / reinsurancereinsurance | ATLANTIC SPECIALTY INSURANCE COMPANY | 132 | $257K |
| Other(6 contracts, 5 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 77 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.