| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M & O AGENCIES INC/DBA THE MAH3 | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.00% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET #200 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $3K | $41K | 43.52% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES INC/DBA THE MAHONEY | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $1K | $18K | 18.66% |
| M & O AGENCIES INC/DBA THE MAH3 | 1835 SOUTH EXTENSION ROAD MESA, AZ 85201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.99% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET #200 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $3K | $41K | 45.27% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES INC/DBA THE MAHONEY | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $1K | $18K | 19.41% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET #200 IRVINE, CA 92614 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $38K | $3K | $41K | 50.43% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES INC/DBA THE MAHONEY | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $1K | $18K | 21.61% |
| M & O AGENCIES INC/DBA THE MAH3 | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 2.00% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET #200 IRVINE, CA 92614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $33K | $2K | $36K | 57.55% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES INC/DBA THE MAHONEY | 1835 SOUTH EXTENSION ROAD MESA, AZ 85201 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14K | $952 | $15K | 24.67% |
| ASSUREX3 | 175 SOUTH 3RD STREET SUITE 800 COLUMBUS, OH 53215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $796 | $796 | 1.29% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET #200 IRVINE, CA 92614 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $39K | $3K | $41K | 67.20% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES INC/DBA THE MAHONEY | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17K | $1K | $18K | 28.80% |
| ASSUREX3 | 175 SOUTH 3RD STREET SUITE 800 COLUMBUS, OH 43215 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $922 | $922 | 1.51% |
| M & O AGENCIES INC/DBA THE MAH3 | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $980 | $980 | 2.00% |
| M & O AGENCIES INC/DBA THE MAH3 | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $621 | $621 | 2.00% |
| M & O AGENCIES INC/DBA THE MAH3 | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $378 | $378 | 2.00% |
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 | 476 | 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) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF ARIZONA | 140 | $146K |
| Vision | EYEMED | 395 | $19K |
| Life insurance(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 476 | $380K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 476 | $207K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 98 | $115K |
| Stop-loss / reinsurancereinsurance(4 contracts) | SWISS RE CORPORATE SOLUTIONS | 271 | $542K |
| Other(7 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 476 | $523K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 476 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.