| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVENUE SUITE 123 FREDERICKSBURG, VA 22401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $18K | $20K | 5.13% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | — | $18K | 10.00% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 15.00% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFITS SERVICE | 4520 PLANK ROAD SUITE 104 FREDERICKSBURG, VA 22407 | DELTA DENTAL OF VIRGINIA | $3K | — | $3K | 7.00% |
| DERRICK TODD MESTLER3 | 6711 LAKELAND WAY FREDERICKSBURG, VA 22407 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $900 | — | $900 | 3.12% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | — | MONUMENTAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.26% |
| 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% |
| MICHELE T PAYNE3 | 18026 TAYLOR CREEK ROAD MONTPELIER, VA 23192 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 15.24% |
| WILLIAM J MCAVINNEY3 Filed as: WILLIAM J MCAVINNEY III | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $965 | — | $965 | 12.88% |
| JESSICA M GAINES3 | 10809 KING WILLIAM ROAD ART 4A AYETT, VA 23009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $450 | — | $450 | 6.01% |
| JOSHUA C BURTON3 Filed as: JOSHUA BURTON | 4805 LAKEBROOK DRIVE SUITE 220 GLEN ALLEN, VA 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $273 | — | $273 | 3.64% |
| WILLIAM J MCAVINNEY3 Filed as: WILLIAM J MCAVINNEY III | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29 | — | $29 | 0.39% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CAVAZOS RISK MANAGEMENT LLC | 100 ANDREW LINDSEY WILLIAMSBURG, VA 23185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.05% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $968 | — | $968 | 14.99% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $923 | — | $923 | 15.00% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $814 | — | $814 | 15.00% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $804 | — | $804 | 15.00% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 36 | $606K |
| Dental(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 114 | $629K |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 80 | $225K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 186 | $51K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 65 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $22K |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 186 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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."
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.