| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M&O AGENCIES DBA THE MAHONEY GROUP3 Filed as: M & O AGENCIES DBA THE MAHONEY GRP | 1835 EXTENSION RD MESA, AZ 85210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | — | $23K | 13.53% |
| THOMAS P MCKIERNAN3 Filed as: THOMAS W BEAL | 6730 N SCOTTSDALE RD STE 285 SCOTTSDALE, AZ 85251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 0.80% |
| ACRISURE LLC3 | 6739 N SCOTTSDALE RD STE 285 SCOTTSDALE, AZ 85351 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$271 | — | -$271 | -0.16% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES INC | 20410 N 19TH AVE #170 PHOENIX, AZ 85027 | METLIFE | $16K | — | $16K | 14.49% |
| M&O AGENCIES DBA THE MAHONEY GROUP3 | 1835 EXTENSION RD MESA, AZ 85210 | AMERICAN UNITED LIFE INSURANCE COMPANY | $11K | — | $11K | 13.00% |
| BEAL INSURANCE3 Filed as: BEAL BENEFITS | 3730 N. SCOTTSDALE ROAD #285 SCOTTSDALE, AZ 85203 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $563 | — | $563 | 10.00% |
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 | 550 | 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) | 550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 510 | $173K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 510 | $230K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 540 | $62K |
| Life insurance(2 contracts, 2 carriers) | METLIFE | 2,273 | $109K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 479 | $82K |
| Other(2 contracts, 2 carriers) | METLIFE | 2,273 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,273 | — |
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.