| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | — | $720 | $720 | 0.69% |
| M & O AGENCIES INC/DBA THE MAH3 | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $425 | $425 | 0.69% |
| M & O AGENCIES INC/DBA THE MAH3 | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.00% |
| 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 | — | $346 | $346 | 1.43% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE M MC CULLUGH | 14715 NORTHEAST 95TH STREET SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE M MC CULLUGH | 14715 NORTHEAST 95TH STREET SUITE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 168 | $19K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $166K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $104K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $104K |
| Other(6 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 191 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.