| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 4520 PLANK ROAD SUITE 104 FREDERICKSBURG, VA 22407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $14K | $15K | 5.00% |
| WILLIAM J MCAVINNEY3 | 4520 PLANK ROAD STE C FREDERICKSBURG, VA 22407 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | — | $19K | 15.00% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 4520 PLANK ROAD STE 104 FREDERICKSBURG, VA 22407 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 3.16% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFITS SERVICE | 4520 PLANK ROAD SUITE 104 FREDERICKSBURG, VA 22407 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 6.98% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFIT SRV. | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $1K | — | $1K | 4.83% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFITS SER | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVENUE STE 414 FREDERICKSBURG, VA 22401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.36% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 4520 PLANK RD STE 104 FREDERICKSBURG, VA 22407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $997 | — | $997 | 12.65% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 4520 PLANK RD STE 104 FREDERICKSBURG, VA 22407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $925 | — | $925 | 12.66% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 4520 PLANK RD STE 104 FREDERICKSBURG, VA 22407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $685 | — | $685 | 12.51% |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 61 | $394K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 141 | $341K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $22K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $129K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $138K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $129K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.