| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M & O AGENCIES INC3 Filed as: M&O AGENCIES, INC. | 14900 INTERURBAN AVENUE SOUTH SUITE 284 SEATTLE, WA 98168 | DELTA DENTAL OF WASHINGTON | $8K | $0 | $8K | 9.19% |
| THE MAHONEY GROUP3 | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| THE MAHONEY GROUP3 | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | HEALTHIEST YOU | $2K | $0 | $2K | 20.00% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES, INC. | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | VISION SERVICE PLAN | $604 | $0 | $604 | 8.49% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES, INC. | 1835 SOUTH EXTENSION ROAD MESA, AZ 85210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $352 | $0 | $352 | 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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHIEST YOU | 100 | $10K |
| Dental | DELTA DENTAL OF WASHINGTON | 168 | $85K |
| Vision | VISION SERVICE PLAN | 123 | $7K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 241 | $16K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 241 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.