| 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 | KAISER FOUNDATION HEALTH PLAN, INC. | $19K | — | $19K | 4.69% |
| THE MAHONEY GROUP3 | 1835 S EXTENSION RD MESA, AZ 85210 | SUTTER HEALTH PLAN | $20K | — | $20K | 5.00% |
| THE MAHONEY GROUP3 | 732 DEERBROOK TRAIL AUBURN, CA 95603 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 10.48% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 900 E HAMILTON AVE SUITE 350 CAMPBELL, CA 95008 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $474 | — | $474 | 0.94% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 5446 THORNWOOD DRIVE #200 SAN JOSE, CA 95123 | EYEMED VISION CARE | $89 | — | $89 | 0.92% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES INC | 1835 S EXTENSION RD MESA, AZ 85210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $103 | $2K | 18.79% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$250 | $33 | -$217 | -2.34% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES INC | 1835 S EXTENSION RD MESA, AZ 85210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $483 | $28 | $511 | 15.09% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 7701 AIRPORT CENTER DRIVE GREENSBORO, NC 27409 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$44 | $9 | -$35 | -1.03% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES INC | 1835 S EXTENSION RD MESA, AZ 85210 | SOLSTICE BENEFITS, INC | $135 | — | $135 | 9.99% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES, INC | 1835 S EXTENSION RD MESA, AZ 85210 | CALIFORNIA DENTAL NETWORK, INC. | $122 | — | $122 | 9.95% |
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 | 94 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 72 | $797K |
| Dental(3 contracts, 3 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 143 | $53K |
| Vision | EYEMED VISION CARE | 109 | $10K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $3K |
| Prescription drug | SUTTER HEALTH PLAN | 72 | $392K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.