| 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 | $547 | $4K | 5.78% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.60% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| THE FRIEDEN AGENCY INC3 Filed as: FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 11.45% |
| TIFFANY SMITH3 | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 7.66% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 | 1310 E OCEAN VIEW AVE NORFOLK, VA 23503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | $0 | $71 | 0.42% |
| GLENN E SMITH3 Filed as: GLENN EDWIN SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | $0 | $45 | 0.27% |
| PHILLIP GREER3 | 2881 BALD EAGLE RD VIRGINIA BEACH, VA 23453 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | $0 | $29 | 0.17% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | VISION SERVICE PLAN | $872 | $0 | $872 | 6.64% |
| TIFFANY GODLEY SMITH3 Filed as: TIFFANY G SMITH | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $257 | $0 | $257 | 3.19% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE STE 1600 NORFOLK, VA 23510 | AFLAC | $240 | $0 | $240 | 2.98% |
| FRANKLIN L JESTER3 | PO BOX 515 CARROLLTON, VA 23314 | AFLAC | $137 | $0 | $137 | 1.70% |
| DOUGLAS GREGORY3 Filed as: DOUGLAS W GREGORY | 193 OYSTER LN COBBS CREEK, VA 23035 | AFLAC | $78 | $0 | $78 | 0.97% |
| GLENN E SMITH3 | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $73 | $0 | $73 | 0.91% |
| PAUL E KAPLAN3 | PO BOX 1120 FRANKLIN, VA 23851 | AFLAC | $51 | $0 | $51 | 0.63% |
| PHILLIP GREER3 | 2881 BALD EAGLE RD VIRGINIA BEACH, VA 23453 | AFLAC | $47 | $0 | $47 | 0.58% |
| ANDREW JOHNSON BENEFITS GROUP LLC3 | 1310 E OCEAN VIEW AVE NORFOLK, VA 23503 | AFLAC | $43 | $0 | $43 | 0.53% |
| DONALD B ORRELL3 | 1581 CHERRY GROVE RD N SUFFOLK, VA 23432 | AFLAC | $31 | $0 | $31 | 0.39% |
| CHAD T KNAPP3 | 3182 KLINE DR VIRGINIA BEACH, VA 23452 | AFLAC | $26 | $0 | $26 | 0.32% |
| BRIAN HILL3 | 102 SCALLOP PL GOLDSBORO, NC 27530 | AFLAC | $24 | $0 | $24 | 0.30% |
| LISA MCDANIEL3 | 5010 HAWKS RIDGE DR COLUMBUS, GA 31904 | AFLAC | $9 | $10 | $19 | 0.24% |
| DAVID N MORGAN3 | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $18 | $0 | $18 | 0.22% |
| GREGORY W LAWRENCE3 | 1025 EXECUTIVE BLVD STE 111 CHESAPEAKE, VA 23320 | AFLAC | $12 | $0 | $12 | 0.15% |
| KARI MARION3 | 119 S BUDDING AVE VIRGINIA BEACH, VA 23452 | AFLAC | $8 | $0 | $8 | 0.10% |
| BRADFORD KLAVAN3 | 4004 ATLANTIC AVE APT 410 VIRGINIA BEACH, VA 23451 | AFLAC | $7 | $0 | $7 | 0.09% |
| CONNIE M HOLT3 | 401 TRAIL RD FRANKLIN, VA 23851 | AFLAC | $7 | $0 | $7 | 0.09% |
| CHARLEEN A WRIGHT3 | 2565 ALLEGHANY LOOP VIRGINIA BEACH, VA 23456 | AFLAC | $5 | $0 | $5 | 0.06% |
| RICHARD CARTER SR3 | 1224 PEACOCK AVE STE 205 COLUMBUS, GA 31906 | AFLAC | $2 | $2 | $4 | 0.05% |
| WALTER E APELT3 | 520 NAPIER LN SCOTTSVILLE, VA 24590 | AFLAC | $3 | $0 | $3 | 0.04% |
| MICHAEL FATHERREE3 | 171 COUNTY ROAD 1559 ALBA, TX 75410 | AFLAC | $3 | $0 | $3 | 0.04% |
| AMELIA MORGAN3 Filed as: AMELIA KAY MORGAN | 1904 ELLIS DR MAIDENS, VA 23102 | AFLAC | $2 | $0 | $2 | 0.02% |
| NICHOLAS WAGNER3 | 1508 BACK COVE RD VIRGINIA BEACH, VA 23454 | AFLAC | $2 | $0 | $2 | 0.02% |
| DUANE A ADAMS3 | 11520 NUCKOLS RD STE 103 GLEN ALLEN, VA 23059 | AFLAC | $1 | $0 | $1 | 0.01% |
| LINDSEY JO MARTIN3 | 1450 B ULMER ST GREENWOOD, AR 72936 | 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 | $104K |
| 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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 23 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 139 | $74K |
| Vision | VISION SERVICE PLAN | 116 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $34K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 70 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 33 | $23K |
| Stop-loss / reinsurancereinsurance | ATLANTIC SPECIALTY INSURANCE COMPANY | 131 | $264K |
| Other(6 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 78 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.