| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 350 CONSHOHOCKEN, PA 22407 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $37K | — | $37K | 1.66% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 4520 PLANK RD STE 104 SUITE 104 FREDERICKSBURG, VA 22407 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $37K | — | $37K | 1.66% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $710 | $5K | 7.55% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 Filed as: MCAVINNEY EMPLOYEE BENEFITS SVCS | 2300 FALL HILL AVENUE #414 FREDERICKSBURG, VA 22401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.50% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $600 | $4K | 5.93% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVE SUITE 414 FREDERICKSBURG, VA 22401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $587 | $4K | 5.95% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVE SUITE 414 FREDERICKSBURG, VA 22401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 | 4900 E LIBBIE MILL E BLVD #100 RICHMOND, VA 23230 | EYEMED | $2K | — | $2K | 4.97% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVE SUITE 414 FREDERICKSBURG, VA 22401 | EYEMED | $2K | — | $2K | 4.97% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 12748 ROANOKE, VA 24028 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $367 | $2K | 5.93% |
| MCAVINNEY EMPLOYEE BENEFIT SERVICES3 | 2300 FALL HILL AVE SUITE 414 FREDERICKSBURG, VA 22401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 524 | $2.2M |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 642 | $2.3M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 523 | $130K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $39K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $65K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 523 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 642 | — |
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.