| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M & O AGENCIES INC3 Filed as: M AND O AGENCIES, INC. | 17837 1ST AVENUE SOUTH, SUITE 527 SEATTLE, WA 98148 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $0 | $24K | 15.00% |
| THE MAHONEY GROUP3 | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.04% |
| THE MAHONEY GROUP3 | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.04% |
| M & O AGENCIES INC3 Filed as: M AND O AGENCIES, INC. | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.53% |
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 | 387 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 16 | $376K |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 16 | $223K |
| Vision | VISION SERVICE PLAN | 330 | $33K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 427 | $158K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 427 | $158K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 427 | $158K |
| Prescription drug(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 16 | $376K |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 427 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.