| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MAHONEY GROUP3 Filed as: MAHONEY GROUP - JASON ANDRADE | 1835 S EXTENSION ROAD MESA, AZ 85210 | DELTA DENTAL OF ARIZONA | $7K | — | $7K | 4.94% |
| M & O AGENCIES INC3 | 20333 N 19TH AVE STE 200 PHOENIX, AZ 85027 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.44% |
| THE MAHONEY GROUP3 | 1835 S EXTENSION ROAD MESA, AZ 85210 | HARTFORD LIFE AND ACCIDENT | $3K | — | $3K | 15.00% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | — | $313 | $313 | 1.38% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARIZONA | 390 | $151K |
| Vision | DELTA DENTAL OF ARIZONA | 390 | $151K |
| Life insurance | STANDARD INSURANCE COMPANY | 295 | $81K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 55 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.