Form 5500 · Employee benefit plan · NORFOLK, VA
EMERGENCY PHYSICIANS OF TIDEWATER PLC
The filing calls this plan EMERGENCY PHYSICIANS OF TIDEWATER PLC CAFETERIA PLAN.
EMERGENCY PHYSICIANS OF TIDEWATER PLC of NORFOLK, VA files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is FRIEDEN AGENCY INC. Coverage is written through SENTARA HEALTH PLAN and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 54-1141362 · plan 501 · plan year 2024, filed Jan 29, 2026
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 7 insured contracts covering health, dental, vision, life and disability; the largest, with SENTARA HEALTH PLAN, covers 149 people.
Reported premium across the insured contracts is $2,017,234, with $65,295 in disclosed broker commissions — about 3.2% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
FRIEDEN AGENCY INC is the broker of record on 1 of the 7 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including SENTARA HEALTH PLAN, UNITED CONCORDIA INSURANCE COMPANY, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and STANDARD INSURANCE COMPANY. SENTARA HEALTH PLAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life | 209 | Jan 1, 2025 | $114,480 | $18,726 |
| SENTARA HEALTH PLAN | Health | 149 | Jan 1, 2025 | $799,366 | $16,947 |
| SENTARA HEALTH PLAN | Health | 79 | Jan 1, 2025 | $496,250 | $12,243 |
| UNITED CONCORDIA INSURANCE COMPANY | Dental | 338 | Jan 1, 2025 | $120,518 | $7,614 |
| SENTARA HEALTH PLAN | Health | 37 | Jan 1, 2025 | $292,381 | $7,287 |
| SENTARA HEALTH PLAN | Health | 20 | Jan 1, 2025 | $147,874 | $2,478 |
| STANDARD INSURANCE COMPANY | Disability | 205 | Jan 1, 2025 | $46,365 | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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