| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M & O AGENCIES INC3 Filed as: M&O AGENCIES INC | 1119 E COTTONWOOD LN CASA GRANDE, AZ 85122 | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | $33K | — | $33K | 4.00% |
| SEE ATTACHED3 | 20333 N 19TH AVE STE 200 PHOENIX, AZ 85027 | AFLAC | $9K | $311 | $9K | 22.02% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES INC | 1835 S EXTENSION RD MESA, AZ 85210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.07% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES INC | 1835 S EXTENSION RD MESA, AZ 85210 | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | $2K | — | $2K | 5.85% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES INC | 20333 N 19TH AVE STE 200 PHOENIX, AZ 85027 | SYMETRA LIFE INSURANCE COMPANY | $471 | — | $471 | 10.09% |
| 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 | 564 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 564 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 83 | $817K |
| Dental | AMERICAN NATIONAL INSURANCE COMPANY OF TEXAS | 61 | $30K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 82 | $5K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 82 | $5K |
| Long-term disability | AFLAC | 44 | $41K |
| Prescription drug | HEALTH PLAN OF NEVADA/SIERRA HEALTH & LIFE | 83 | $817K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 564 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.