| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M&O AGENCIES DBA THE MAHONEY GROUP3 | 1835 EXTENSION RD MESA, AZ 85210 | AMERICAN UNITED LIFE INSURANCE COMPANY | $37K | — | $37K | 13.02% |
| M & O AGENCIES INC3 | 1835 S EXTENSION RD MESA, AZ 85210 | AMERITAS LIFE INSURANCE CORP. | $53K | — | $53K | 82.90% |
| M & O AGENCIES INC3 | 20333 N 19TH AVE STE 200 PHOENIX, AZ 85027 | AMERITAS LIFE INSURANCE CORP. | — | $1K | $1K | 1.69% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES | — | ASSURITY LIFE INSURANCE COMPANY | $15K | — | $15K | 35.72% |
| SYNOLO LLC3 | — | ASSURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 17.86% |
| VELOCITY BENEFITS3 | — | ASSURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 7.15% |
| SYNOLO LLC3 | — | ASSURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 28.15% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES | — | ASSURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 16.85% |
| VELOCITY BENEFITS3 | — | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 11.27% |
| SYNOLO LLC3 | — | ASSURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 22.60% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES | — | ASSURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 13.55% |
| VELOCITY BENEFITS3 | — | ASSURITY LIFE INSURANCE COMPANY | $762 | — | $762 | 9.04% |
| SYNOLO LLC3 | — | ASSURITY LIFE INSURANCE COMPANY | $636 | — | $636 | 27.11% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES | — | ASSURITY LIFE INSURANCE COMPANY | $381 | — | $381 | 16.24% |
| VELOCITY BENEFITS3 | — | ASSURITY LIFE INSURANCE COMPANY | $355 | — | $355 | 15.13% |
| SYNOLO LLC3 | — | ASSURITY LIFE INSURANCE COMPANY | $509 | — | $509 | 25.60% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES INC | — | ASSURITY LIFE INSURANCE COMPANY | $306 | — | $306 | 15.39% |
| VELOCITY BENEFITS3 | — | ASSURITY LIFE INSURANCE COMPANY | $204 | — | $204 | 10.26% |
| SYNOLO LLC3 | — | ASSURITY LIFE INSURANCE COMPANY | $510 | — | $510 | 33.53% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES | — | ASSURITY LIFE INSURANCE COMPANY | $305 | — | $305 | 20.05% |
| VELOCITY BENEFITS3 | — | ASSURITY LIFE INSURANCE COMPANY | $204 | — | $204 | 13.41% |
| SYNOLO LLC3 | — | ASSURITY LIFE INSURANCE COMPANY | $241 | — | $241 | 22.07% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES | — | ASSURITY LIFE INSURANCE COMPANY | $144 | — | $144 | 13.19% |
| VELOCITY BENEFITS3 | — | ASSURITY LIFE INSURANCE COMPANY | $97 | — | $97 | 8.88% |
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 | 666 | 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) | 666 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 762 | $63K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 762 | $63K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,060 | $288K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,060 | $288K |
| Other(8 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,060 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,060 | — |
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.
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.