| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 4.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY OF VIRGI | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $63 | $4K | 2.36% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY OF VIRGI | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | — | $871 | $871 | 0.48% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE AGENCY OF V | 4500 MAIN STREET SUITE 600 VIRGINIA BEACH, VA 23462 | VISION SERVICE PLAN | $801 | — | $801 | 3.47% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | VISION SERVICE PLAN | $596 | — | $596 | 2.58% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 10.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY OF VIRGI | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $680 | $63 | $743 | 5.40% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY OF VIRGI | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | — | $42 | $42 | 0.31% |
| APTA HEALTH3 | — | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | METROPOLITAN LIFE INSURANCE COMPANY | $964 | — | $964 | 14.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY OF VIRGI | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $198 | $63 | $261 | 4.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY OF VIRGI | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.19% |
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLACE SUITE 1600 NORFOLK, VA 23510 | METROPOLITAN LIFE INSURANCE COMPANY | $701 | — | $701 | 14.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY OF VIRGI | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $99 | $63 | $162 | 3.39% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INS AGENCY OF VIRGI | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6 | $6 | 0.13% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $183K |
| Vision | VISION SERVICE PLAN | 99 | $23K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $183K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $183K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $183K |
| Stop-loss / reinsurancereinsurance | ZURICH AMERICAN INSURANCE COMPANY | 88 | $218K |
| Other(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.