| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M & O AGENCIES INC3 Filed as: M & O AGENCIES INC/MAHONEY GROUP | 1835 S EXTENSION ROAD ACCOUNTING MESA, AZ 85210 | BLUE CROSS BLUE SHIELD OF ARIZONA | $70K | — | $70K | 29.90% |
| THE MAHONEY GROUP3 Filed as: MAHONEY GROUP | 1835 S EXTENSION RD MESA, AZ 85210 | DELTA DENTAL OF ARIZONA | $679 | — | $679 | 0.76% |
| M & O AGENCIES INC3 | 1835 S EXTENSION RD MESA, AZ 85210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $917 | $13K | 16.11% |
| FLIMP COMMUNICATIONS3 Filed as: FLIMP MEDIA INC. | 2 HAYDEN ROWE ST HOPKINTON, MA 01748 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.89% |
| M & O AGENCIES INC3 | 1835 S EXTENSION RD MESA, AZ 85210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $426 | $6K | 16.11% |
| FLIMP COMMUNICATIONS3 Filed as: FLIMP MEDIA INC. | 2 HAYDEN ROWE ST HOPKINTON, MA 01748 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $729 | $729 | 1.89% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES/THE MAHONEY GRP | 1835 S EXTENSION RD MESA, AZ 85210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 10.00% |
| M & O AGENCIES INC3 | 1835 S EXTENSION RD MESA, AZ 85210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $141 | $2K | 16.13% |
| FLIMP COMMUNICATIONS3 Filed as: FLIMP MEDIA INC. | 2 HAYDEN ROWE ST HOPKINTON, MA 01748 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $236 | $236 | 1.88% |
| M & O AGENCIES INC3 | 1835 EXTENSION RD MESA, AZ 85210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $98 | $1K | 16.11% |
| FLIMP COMMUNICATIONS3 Filed as: FLIMP MEDIA INC. | 2 HAYDEN ROWE ST HOPKINTON, MA 01748 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $168 | $168 | 1.89% |
| M & O AGENCIES INC3 | 1835 S EXTENSION RD MESA, AZ 85210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $204 | $15 | $219 | 16.14% |
| FLIMP COMMUNICATIONS3 Filed as: FLIMP MEDIA INC. | 2 HAYDEN ROWE ST HOPKINTON, MA 01748 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $26 | $26 | 1.92% |
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 | 297 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 356 | $235K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ARIZONA | 271 | $125K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 210 | $36K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 296 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 297 | $82K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 297 | $39K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 356 | $235K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 356 | $235K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 296 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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."
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.