| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 2.99% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFIT SERCICES | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| WILLIAM J MCAVINNEY3 | MCCAVINNEY AND ASSOCIATES 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFITS SERVICE | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 6.72% |
| WILLIAM J MCAVINNEY3 | MCAVINNEY AND ASSOCIATES 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFITS | — | MONUMENTAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.94% |
| MICHELE T PAYNE3 | 18026 TAYLOR CREEK ROAD MONTPELIER, VA 23192 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 24.36% |
| WILLIAM J MCAVINNEY3 Filed as: WILLIAM J MCAVINNEY III | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 16.19% |
| JESSICA M GAINES3 | 10809 KING WILLIAM ROAD APPARTMENT 4A AYLETT, VA 23009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 8.72% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CACAZOS RISK MANAGEMENT LLC | 100 ANDRES LINDSEY WILLIAMSBURG, VA 16693 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.47% |
| WILLIAM J MCAVINNEY3 Filed as: WILLIAM MCAVINNEY III | 2300FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.09% |
| 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% |
| WILLIAM J MCAVINNEY3 | MCAVINNEY AND ASSOCIATES 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| WILLIAM J MCAVINNEY3 | MCAVINNEY AND ASSOCIATES 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFITS SVCS | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $261 | — | $261 | 15.02% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $44 | — | $44 | — |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 125 | $576K |
| Dental(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 125 | $596K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 92 | $19K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $52K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 40 | $18K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $31K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 193 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.