| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FRIEDEN AGENCY INC3 Filed as: THE FRIEDEN AGENCY LLC | 3 COMMERCIAL PLANCE 16TH FLOOR NORFOLK, VA 23510 | GROUP HOSPITALIZATION MEDICAL SERVICES | $12K | $0 | $12K | 1.72% |
| THE CIMA COMPANIES INC3 Filed as: CIMA COMPANIES INC | 2750 KILLARNEY DRIVE STE 202 WOODBRIDGE, VA 22192 | GROUP HOSPITALIZATION MEDICAL SERVICES | $8K | $0 | $8K | 1.13% |
| EMPLOYEE BENEFITS CORP OF AMERICA5 Filed as: EMPLOYEE BENEFITS CORP AMERICA | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | GROUP HOSPITALIZATION MEDICAL SERVICES | $0 | $360 | $360 | 0.05% |
| THE FRIEDEN AGENCY INC3 | 3 COMMERCIAL PL STE 1600 NORFOLK, VA 23510 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $4K | $8K | 9.50% |
| THE CIMA COMPANIES INC3 | 2750 KILLARNEY DRIVE STE 202 WOODBRIDGE, VA 22192 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.79% |
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 | 224 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES | 147 | $712K |
| Dental(2 contracts, 2 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES | 224 | $795K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 224 | $83K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 224 | $83K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 224 | $83K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 224 | $83K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES | 147 | $712K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.