| 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 | DELTA DENTAL OF WASHINGTON | $13K | $0 | $13K | 10.00% |
| THE MAHONEY GROUP3 | 2625 WEST GERONIMO PLACE SUITE 350 CHANDLER, AZ 85224 | FIRST STOP HEALTH | $3K | $0 | $3K | 8.07% |
| M & O AGENCIES INC3 Filed as: M AND O AGENCIES, INC. | 2625 WEST GERONIMO PLACE SUITE 350 CHANDLER, AZ 85224 | VISION SERVICE PLAN | $739 | $0 | $739 | 7.57% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR, LLC. | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $27 | $0 | $27 | 0.28% |
| M & O AGENCIES INC3 Filed as: M AND O AGENCIES, INC. | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $975 | $0 | $975 | 14.99% |
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 | 284 | 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) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 225 | $127K |
| Vision | VISION SERVICE PLAN | 190 | $10K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 284 | $14K |
| Other(2 contracts, 2 carriers) | FIRST STOP HEALTH | 299 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.