| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M & O AGENCIES INC3 | 1835 SOUTH EXTENSION ROAD C/O THE MAHONEY GROUP MESA, AZ 85210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 4.20% |
| M & O AGENCIES INC3 | 1835 SOUTH EXTENSION ROAD C/O THE MAHONEY GROUP MESA, AZ 85210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 2.05% |
| M & O AGENCIES INC3 | 1835 SOUTH EXTENSION ROAD C/O THE MAHONEY GROUP MESA, AZ 85210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $2K | $5K | 4.22% |
| M & O AGENCIES INC3 | 1835 SOUTH EXTENSION ROAD C/O THE MAHONEY GROUP MESA, AZ 85210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $790 | $8K | 22.06% |
| M & O AGENCIES INC3 | 1835 SOUTH EXTENSION ROAD C/O THE MAHONEY GROUP MESA, AZ 85210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $477 | $6K | 16.26% |
| M & O AGENCIES INC3 | 1835 SOUTH EXTENSION ROAD C/O THE MAHONEY GROUP MESA, AZ 85210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $356 | $5K | 16.26% |
| M & O AGENCIES INC3 | 1835 SOUTH EXTENSION ROAD C/O THE MAHONEY GROUP MESA, AZ 85210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $190 | $2K | 16.26% |
| M & O AGENCIES INC3 | 1835 SOUTH EXTENSION ROAD C/O THE MAHONEY GROUP MESA, AZ 85210 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $964 | $81 | $1K | 16.26% |
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 | 838 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 842 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 531 | $46K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 836 | $124K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 832 | $165K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 907 | $138K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | UNITED STATES FIRE INSURANCE COMPANY | 527 | $708K |
| Other(6 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 836 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 907 | — |
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.