| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M & O AGENCIES INC3 Filed as: M & O AGENCIES, INC. | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | UNION SECURITY INSURANCE COMPANY | $13K | $0 | $13K | 7.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | UNION SECURITY INSURANCE COMPANY | $1K | $0 | $1K | 0.81% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS, INC. | PO BOX 34315 SEATTLE, WA 98124 | USABLE LIFE | $2K | $0 | $2K | 5.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 8TH FLOOR ITASCA, IL 60143 | USABLE LIFE | $2K | $0 | $2K | 5.14% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES, INC. | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | USABLE LIFE | $2K | $0 | $2K | 4.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 8TH FLOOR ITASCA, IL 60143 | USABLE LIFE | $1K | $0 | $1K | 5.26% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS, INC. | PO BOX 34315 SEATTLE, WA 98124 | USABLE LIFE | $1K | $0 | $1K | 5.19% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES, INC. | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | USABLE LIFE | $1K | $0 | $1K | 4.73% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES, INC. | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | VISION SERVICE PLAN | $375 | $0 | $375 | 2.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | REGENCE BLUESHIELD | $30K | $199 | $30K | — |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD | 302 | $0 |
| Dental | UNION SECURITY INSURANCE COMPANY | 124 | $172K |
| Vision | VISION SERVICE PLAN | 124 | $19K |
| Life insurance | USABLE LIFE | 117 | $24K |
| Short-term disability | USABLE LIFE | 117 | $35K |
| Prescription drug | REGENCE BLUESHIELD | 302 | $0 |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 124 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.