| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MAHONEY GROUP3 | 1835 S EXTENSION RD MESA, AZ 85210 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT, HEALTH, INC. | — | — | $0 | 0.00% |
| M & O AGENCIES INC3 | 1835 S EXTENSION RD MESA, AZ 85210 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $20K | — | $20K | 16.31% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES, INC | 1119 E COTTONWOOD LANE CASA GRANDE, AZ 85122 | AMERITAS LIFE INSURANCE CORP | $12K | $315 | $13K | 10.26% |
| M & O AGENCIES INC3 Filed as: M AND O AGENCIES INC | 1835 EXTENSION RD MESA, AZ 85210 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.30% |
| M & O AGENCIES INC3 Filed as: M AND O AGENCIES INC. | 1835 S EXTENSION RD. MESA, AL 85210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES, INC. | 1835 S EXTENSION RD MESA, AZ 85210 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.80% |
| THE MAHONEY GROUP3 | 1835 S. EXTENSION RD MESA, AZ 85210 | SIGHT CARE, INC. | $2K | — | $2K | 10.00% |
| M & O AGENCIES INC3 | 1835 EXTENSION RD MESA, AZ 85210 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $847 | — | $847 | 12.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHIEST YOU EIN 46-1345569 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 5350 E HIGH ST, STE 350 PHOENIX, AZ 85054 | $7K |
| THE MAHONEY GROUP EIN 86-6050329 INSURANCE BROKERAGE | Insurance agents and brokers Service code 22 | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | $1K |
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 | 354 | 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) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT, HEALTH, INC. | 354 | $1.3M |
| Dental | AMERITAS LIFE INSURANCE CORP | 330 | $123K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 330 | $140K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 272 | $45K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $58K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $26K |
| Other(3 contracts, 2 carriers) | AMERICAN PUBLIC LIFE INSURANCE COMPANY | 272 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.