| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M & O AGENCIES INC3 Filed as: M&O AGENCIES INC | 1835 S EXTENSION RD MESA, AZ 85210 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $36K | — | $36K | 3.85% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES INC | 1835 S EXTENSION RD MESA, AZ 85210 | AFLAC | $9K | $529 | $9K | 18.28% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES INC | 1119 E COTTONWOOD LN CASA GRANDE, AZ 85122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.97% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES INC | 1835 S EXTENSION RD MESA, AZ 85210 | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | $1K | — | $1K | 5.55% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES INC | 20333 N 19TH AVE STE 200 PHOENIX, AZ 85027 | SYMETRA LIFE INSURANCE COMPANY | $449 | — | $449 | 10.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE MAHONEY GROUP EIN 86-6050329 BROKER | Other commissions Service code 55 | 1835 S EXTENSION RD MESA, AZ 85210 | $0 |
| UMR INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 30541 SALT LAKE CITY, UT 84130 | $0 |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 124 | $928K |
| Dental | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | 50 | $26K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 109 | $4K |
| Long-term disability | AFLAC | 72 | $50K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 124 | $928K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 495 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.