| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M & O AGENCIES INC3 Filed as: M & O AGENCIES, INCORPORATED | 1835 S EXTENSION RD MESA, AZ 85210 | KAISER FOUNDATION HEALTH PLAN INC. | $125K | — | $125K | 3.96% |
| THE MAHONEY GROUP3 | 1835 S EXTENSION RD MESA, AZ 85210 | SUTTER HEALTH PLAN | $81K | — | $81K | 4.00% |
| M & O AGENCIES INC3 | 1835 S EXTENTION ROAD MESA, AZ 85210 | WESTERN HEALTH ADVANTAGE | $43K | — | $43K | 3.90% |
| M & O AGENCIES INC3 | 1835 S EXTENSION RD MESA, AZ 85210 | AMERITAS LIFE INSURANCE CORP | $90K | — | $90K | 10.00% |
| M & O AGENCIES INC3 | 20333 N 19TH AVE STE 200 PHOENIX, AZ 85027 | AMERITAS LIFE INSURANCE CORP | — | $45K | $45K | 5.02% |
| M & O AGENCIES INC3 Filed as: M&O AGENCIES INC | 1835 S EXTENSION RD MESA, AZ 85210 | WESTERN HEALTH ADVANTAGE | $33K | — | $33K | 3.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 31128 RALEIGH, NC 27622 | WESTERN HEALTH ADVANTAGE | $31 | — | $31 | 0.00% |
| M & O AGENCIES INC3 | 1835 S EXTENSION ROAD MESA, AZ 85210 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 12.00% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.47% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $166 | $166 | 0.05% |
| M & O AGENCIES INC3 | 1835 S EXTENSION RD MESA, AZ 85210 | GUARDIAN | $9K | — | $9K | 32.10% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES | 1835 S EXTENSION RD MESA, AZ 85210 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $276 | $1K | 7.71% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES | 2625 W. GERONIMO PLACE, SUITE 350 CHANDLER, AZ 85224 | METROPOLITAN GENERAL INSURANCE COMPANY | $694 | — | $694 | 3.79% |
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 | 812 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 625 | $7.1M |
| Dental | AMERITAS LIFE INSURANCE CORP | 1,790 | $904K |
| Vision | GUARDIAN | 815 | $28K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 812 | $315K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 812 | $315K |
| Prescription drug(3 contracts, 2 carriers) | SUTTER HEALTH PLAN | 331 | $4.0M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 812 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,790 | — |
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.