| 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 | $17K | $18K | 5.00% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVE SUITE 414 FREDERICKSBURG, VA 22401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 11.31% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 4520 PLANK RD STE 104 FREDERICKSBURG, VA 22407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 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% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFIT SRV. | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $1K | — | $1K | 4.49% |
| 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 | 4520 PLANK RD STE 104 FREDERICKSBURG, VA 22407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 4520 PLANK RD STE 104 FREDERICKSBURG, VA 22407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 4520 PLANK RD STE 104 FREDERICKSBURG, VA 22407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 4520 PLANK RD STE 104 FREDERICKSBURG, VA 22407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 4520 PLANK RD STE 104 FREDERICKSBURG, VA 22407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $905 | — | $905 | 15.00% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 4520 PLANK RD STE 104 FREDERICKSBURG, VA 22407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $815 | — | $815 | 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 | 222 | 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) | 222 | 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 | 56 | $573K |
| Dental(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 103 | $583K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 68 | $21K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $46K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $15K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 222 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.