| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MAHONEY GROUP3 Filed as: MAHONEY GROUP | 1835 S EXTENSION RD MESA, AZ 85210 | DELTA DENTAL OF ARIZONA | $13K | — | $13K | 4.01% |
| M & O AGENCIES INC3 | 1835 S EXTENSION RD MESA, AZ 85210 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $49K | — | $49K | 50.55% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES | 1835 SOUTH EXTENSION BLVD MESA, AZ 85210 | VISION SERVICE PLAN | $2K | — | $2K | 3.57% |
| ASSUREX GLOBAL CORPORATION3 Filed as: ASSUREX GLOBAL CORP | 175 S 3RD ST STE 800 COLUMBUS, OH 43215 | VISION SERVICE PLAN | $1K | — | $1K | 2.50% |
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 | 525 | 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) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARIZONA | 481 | $327K |
| Vision | VISION SERVICE PLAN | 487 | $54K |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 525 | $424K |
| Short-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 525 | $359K |
| Long-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 525 | $391K |
| Other(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 525 | $424K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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.