| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 4520 PLANK ROAD SUITE 104 FREDERICKSBURG, VA 11407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $19K | $20K | 5.00% |
| 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 | $9K | — | $9K | 13.76% |
| 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% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFITS SERVICE | 4520 PLANK ROAD SUITE 104 FREDERICKSBURG, VA 22407 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $719 | — | $719 | 2.45% |
| DERRICK TODD MESTLER3 | 6711 LAKELAND WAY FREDERICKSBURG, VA 22407 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $265 | — | $265 | 0.90% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 13.82% |
| 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 | $4K | — | $4K | 15.00% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFIT SRV. | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $936 | — | $936 | 4.92% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| MICHELE T PAYNE3 | 18026 TAYLOR CREEK ROAD MONTPELIER, VA 23192 | CONTINENTAL AMERICAN INSURANCE COMPANY | $302 | — | $302 | 3.09% |
| WILLIAM J MCAVINNEY3 Filed as: WILLIAM J MCAVINNEY III | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $259 | — | $259 | 2.65% |
| JESSICA M GAINES3 | 10809 KING WILLIAM ROAD APARTMENT 4A AYLETT, VA 23009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $127 | — | $127 | 1.30% |
| JOSHUA C BURTON3 Filed as: JOSHUA BURTON | 4805 LAKEBROOK DRIVE SUITE 220 GLEN ALLEN, VA 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $77 | — | $77 | 0.79% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 34.97% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.01% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 13.83% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $852 | — | $852 | 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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | 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 | 38 | $631K |
| Dental(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 48 | $655K |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 81 | $230K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 175 | $66K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 65 | $27K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $10K |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 175 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.