| 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 852105942 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $44 | $44 | 0.04% |
| BENEFITSOURCE INC3 Filed as: BENEFITSOURCE,INC | 1804 JUAN TABO BLVD NE, STE A ALBUQUERQUE, NM 871123309 | VISION SERVICE PLAN | $1K | — | $1K | 4.87% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES, INC | 2625 W GERONIMO PL, STE 350 CHANDLER, AZ 85224 | VISION SERVICE PLAN | $347 | — | $347 | 1.67% |
| THE MAHONEY GROUP3 | 2625 W GERONIMO PLACE, STE 350 CHANDLER, AZ 85224 | COMPANION LIFE INSURANCE | $1K | — | $1K | 16.01% |
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 | 463 | 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) | 463 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMPANION LIFE INSURANCE | 137 | $9K |
| Vision | VISION SERVICE PLAN | 121 | $21K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 463 | $123K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 463 | $123K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 463 | $123K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 141 | $201K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 463 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.