| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL GROUP OF VIRGINIATHE3 | EAST SHORE 1 GLEN ALLEN, VA 23059 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | $8K | $4K | $11K | 2.57% |
| RCM AND D3 Filed as: RCM&D INC. | 4 NORTH PARK DRIVE, SUITE 500 HUNT VALLEY, MD 21030 | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | $3K | $0 | $3K | 0.73% |
| WILLIAM J MCAVINNEY3 Filed as: WILLIAM JAMES MCAVINNEY | 4520 PLANK ROAD, SUITE 104 FREDERICKSBURG, VA 22407 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $0 | $17K | 9.91% |
| RCM AND D3 Filed as: RCM&D INC. | 4 NORTH PARK DRIVE, SUITE 500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.09% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFITS SERVICE | 109 WESTWOOD OFFICE PARK FREDERICKSBURG, VA 22401 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | $0 | $2K | 2.14% |
| RCM AND D3 Filed as: RCM&D INC. | PO BOX 74608 CLEVELAND, OH 44194 | KAISER FOUNDATION HEALTH PLAN, INC. | $931 | $0 | $931 | 0.80% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFITS SERVICE | 4520 PLANK ROAD, SUITE 104 FREDERICKSBURG, VA 22407 | DELTA DENTAL OF VIRGINIA | $4K | $0 | $4K | 4.57% |
| RCM AND D3 Filed as: RCM&D INC. | 4 NORTH PARK DRIVE, SUITE 500 HUNT VALLEY, MD 21030 | DELTA DENTAL OF VIRGINIA | $2K | $0 | $2K | 2.45% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFITS SERVICE | 4520 PLANK ROAD, SUITE 104 FREDERICKSBURG, VA 22407 | STRYDEN, INC. | $911 | $0 | $911 | 4.53% |
| RCM AND D3 Filed as: RCM&D INC. | 4 NORTH PARK DRIVE, SUITE 500 HUNT VALLEY, MD 21030 | STRYDEN, INC. | $483 | $0 | $483 | 2.40% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFITS SERVICE | 4520 PLANK ROAD, SUITE 104 FREDERICKSBURG, VA 22407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.08% |
| RCM AND D3 Filed as: RCM&D INC. | 4 NORTH PARK DRIVE, SUITE 500 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.12% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 81 | $547K |
| Dental(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 264 | $207K |
| Vision(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 264 | $227K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 275 | $173K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 275 | $173K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 275 | $173K |
| Prescription drug(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA DBA ANTHEM BCBS | 81 | $547K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 275 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.