| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 40 EAST RIO SALADO PARKWAY SUITE 900 TEMPE, AZ 85281 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 2.25% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 1.92% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND STREET SUITE 401 SAN FRANCISCO, CA 94107 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.79% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFIT SERCICES | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 4.42% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC DBA ZENEFITS FTW INS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 4.13% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND STREET SUITE 401 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.48% |
| WILLIAM J MCAVINNEY3 | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.51% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND STREET SUITE 401 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.39% |
| WILLIAM J MCAVINNEY3 | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.61% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE, INC. DBA ZENEFITS FTW | 303 SECOND STREET SUITE 401 SAN FRANCISCO, CA 94107 | DELTA DENTAL OF VIRGINIA | $875 | — | $875 | 3.93% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFITS SERVICE | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | DELTA DENTAL OF VIRGINIA | $573 | — | $573 | 2.58% |
| INSUREYOURPEOPLE, LLC3 | 303 2ND STREET NORTH TOWER SUITE 450 SAN FRANCISCO, CA 94107 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.65% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFITS SERVICE | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.36% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND STREET SUITE 401 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.14% |
| WILLIAM J MCAVINNEY3 Filed as: WILLIAM J MCAVINNEY MCAVINNEY AND A | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.86% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 SECOND STREET SUITE 401 SAN FRANCISCO, CA 94107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $874 | — | $874 | 8.43% |
| WILLIAM J MCAVINNEY3 | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $682 | — | $682 | 6.58% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $68 | — | $68 | 4.36% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE, INC. DBA ZENEFITS FTW | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $68 | — | $68 | 4.36% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 143 | $383K |
| Dental(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 143 | $405K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 90 | $17K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 48 | $17K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 184 | $28K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.