| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JASON ANDRADE3 | 1825 S EXTENSION RD MESA, AZ 85210 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $58K | — | $58K | 3.07% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES, INC. | 1835 S EXTENSION ROAD MESA, AZ 85210 | HEALTH ALLIANCE PLAN | $34K | — | $34K | 2.24% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES, INC. | 1835 S EXTENSION ROAD MESA, AZ 85210 | ALLIANCE HEALTH AND LIFE INS. COM | $24K | — | $24K | 2.14% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES, INC. | 1835 S EXTENSION ROAD MESA, AZ 85210 | HEALTH ALLIANCE PLAN | $23K | — | $23K | 2.74% |
| JASON ANDRADE3 | 1825 S EXTENSION RD MESA, AZ 85210 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $21K | — | $21K | 2.52% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES, INC. | 1835 S EXTENSION ROAD MESA, AZ 85210 | ALLIANCE HEALTH AND LIFE INS. COM | $13K | — | $13K | 2.34% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES INC | 1835 S EXTENSION RD MESA, AZ 85210 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | — | $25K | 10.64% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | — | $11K | $11K | 4.66% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES INC. DBA THE MAHONEY | 1835 S EXTENSION RD MESA, AZ 85210 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 3.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | -$1K | — | -$1K | -0.62% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES INC. DBA THE MAHONEY | 1835 S EXTENSION RD MESA, AZ 85210 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 3.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 35371 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $276 | — | $276 | 2.50% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN GRIFFIN | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AA 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $120 | — | $120 | 1.09% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | PO BOX 93063 CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 0.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.12% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES INC/DBA THE MAHONEY | 1835 S EXTENSION RD MESA, AZ 85210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $65 | — | $65 | 1.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36 | — | $36 | 0.71% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | PO BOX 93063 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1 | $1 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | 35371 NETWORK PLACE CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 1.58% |
| STEVEN RAY GRIFFIN3 Filed as: STEVEN GRIFFIN | 2000 MORRIS AVE BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41 | — | $41 | 0.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC. | PO BOX 93063 CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.13% |
| M & O AGENCIES INC/DBA THE MAH3 | 1835 S EXTENSION RD MESA, AZ 85210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $143 | $20 | $163 | 6.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST, INC | PO BOX 93063 CHICAGO, IL 60673 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2 | — | $2 | 0.33% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES INC/DBA THE MAHONEY | 1835 S EXTENSION RD MESA, AZ 85210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.16% |
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 | 283 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 224 | $6.7M |
| Dental(2 contracts) | DELTA DENTAL OF MICHIGAN | 667 | $246K |
| Life insurance(4 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 360 | $252K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 360 | $237K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 360 | $237K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 192 | $816K |
| Other(4 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 360 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 667 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.