| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M & O AGENCIES INC3 Filed as: M AND O AGENCIES, INC. | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | AMERICAN UNITED LIFE INSURANCE COMPANY | $29K | $0 | $29K | 12.56% |
| M & O AGENCIES INC3 Filed as: M AND O AGENCIES, INC. | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | ASSURITY LIFE INSURANCE COMPANY | $45K | $0 | $45K | 24.75% |
| BRITTON JOHNSON3 | UNKNOWN KINGMAN, AZ 86409 | ASSURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.16% |
| VELOCITY BENEFITS3 | UNKNOWN KINGMAN, AZ 86409 | ASSURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.79% |
| SYNOLO LLC3 Filed as: SYNOLO, LLC | UNKNOWN KINGMAN, AZ 86409 | ASSURITY LIFE INSURANCE COMPANY | $377 | $0 | $377 | 0.21% |
| M & O AGENCIES INC3 Filed as: M AND O AGENCIES, INC. | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | ASSURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 51.41% |
| BRITTON JOHNSON3 | UNKNOWN KINGMAN, AZ 86409 | ASSURITY LIFE INSURANCE COMPANY | $132 | — | $132 | 2.44% |
| SYNOLO LLC3 Filed as: SYNOLO, LLC | UNKNOWN KINGMAN, AZ 86409 | ASSURITY LIFE INSURANCE COMPANY | $18 | — | $18 | 0.33% |
| VELOCITY BENEFITS3 | UNKNOWN KINGMAN, AZ 86409 | ASSURITY LIFE INSURANCE COMPANY | $7 | — | $7 | 0.13% |
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 | 2,792 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,795 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,393 | $232K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,393 | $232K |
| Other(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 2,393 | $419K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,393 | — |
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.