| 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 | $18K | $20K | 5.00% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 8.79% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 16.31% |
| 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 | $1K | — | $1K | 3.37% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 16.32% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFIT SRV. | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $1K | — | $1K | 5.17% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 16.35% |
| 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 SUITE 414 FREDERICKSBURG, VA 22401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 16.25% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $494 | — | $494 | 13.85% |
| WILLIAM J MCAVINNEY3 Filed as: WILLIAM J MCAVINNEY III | 2300 FALL HILL AVENUE SUITE 414 FREDERICKSBURG, VA 22401 | CONTINENTAL AMERICAN INSURANCE COMPANY | $247 | — | $247 | 29.76% |
| JOSHUA C BURTON3 Filed as: JOSHUA BURTON | 4805 LAKEBROOK DRIVE SUITE 220 GLEN ALLEN, VA 23060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69 | — | $69 | 8.31% |
| JESSICA M GAINES3 | 10809 KING WILLIAM ROAD APARTMENT 4A AYLETT, VA 23009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 4.22% |
| MICHELE T PAYNE3 | 18026 TAYLOR CREEK ROAD MONTPELIER, VA 23192 | CONTINENTAL AMERICAN INSURANCE COMPANY | $17 | — | $17 | 2.05% |
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 | 165 | 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) | 165 | 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 | 62 | $647K |
| Dental(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 113 | $667K |
| Vision(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 70 | $252K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $63K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $20K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 165 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.