| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M & O AGENCIES INC3 Filed as: M&O AGENCIES INC | 1835 S EXTENSION RD MESA, AZ 85210 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 5.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC | 3800 N CENTRAL AVE FL 9 PHOENIX, AZ 85012 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.10% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES INC | 1835 S EXTENSION RD MESA, AZ 85210 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | — | $22K | — |
| SETH G KNOWLTON3 | PO BOX 68766 TUCSON, AZ 85737 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | — |
| JULIE KICKER3 Filed as: JULIE A KICKER | PO BOX 11825 CASA GRANDE, AZ 85130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | — |
| RACHEL DAY3 Filed as: RACHEL S DAY | 5533 EAST 24TH STREET TUCSON, AZ 85711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | — |
| KIMBERLY J RODRIGUEZ3 Filed as: KIMBERLY J GRAHAM RODRIGUEZ | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | — |
| JARCEY RODRIGUEZ3 | 3970 W 24TH ST YUMA, AZ 85364 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | — |
| KELLY MCGARRY3 | 4750 N ORACLE RD STE 214 TUCSON, AZ 85705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | — |
| CATHERINE DAVIS3 Filed as: CATHERINE B DAVIS | 9160 E LOMA LINDA PL TUCSON, AZ 85749 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | — |
| JENNIFER UHLMANN3 | 1611 N. SAHUARA AVENUE TUCSON, AZ 85712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $300 | — | $300 | — |
| FILIPE A COELHO3 | 4515 S MCCLINTOCK DR STE 212 TEMPE, AZ 85282 | CONTINENTAL AMERICAN INSURANCE COMPANY | $202 | — | $202 | — |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 538 | $186K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 538 | $186K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 538 | $186K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 538 | $186K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 538 | $186K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 258 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 538 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.