| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVE STE 414 FREDERICKSBURG, VA 22401 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $31K | — | $31K | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD STE 100 RICHMOND, VA 23230 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $31K | — | $31K | 1.49% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BLVD SUITE 100 RICHMOND, VA 23230 | EYEMED VISION PLAN | $3K | — | $3K | 7.29% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFITS SVCS | 2300 FALL HILL AVE #414 FREDERICK, VA 22401 | EYEMED VISION PLAN | $1K | — | $1K | 3.76% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFITS SVCS | 2300 FALL HILL AVE #414 FREDERICKSBURG, VA 22401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.50% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFITS SVCS | 2300 FALL HILL AVE #414 FREDERICKSBURG, VA 22401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFITS SVCS | 2300 FALL HILL AVE #414 FREDERICKSBURG, VA 22401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $883 | — | $883 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $883 | — | $883 | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | — | $2K | 12.27% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $544 | — | $544 | 10.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 4900 LIBBIE MILL EAST BOULEVARD SUITE 100 RICHMOND, VA 23230 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $265 | — | $265 | 10.00% |
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 | 280 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 199 | $2.1M |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 628 | $2.1M |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 240 | $51K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 267 | $20K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 240 | $34K |
| Prescription drug | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 199 | $2.1M |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 240 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 628 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.