| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M & O AGENCIES INC Filed as: M & O AGENCIES, INC. | 1835 S EXTENSION ROAD MESA, AZ 85210 | UNITED CONCORDIA INSURANCE COMPANY | $35K | — | $35K | 6.67% |
| MCGRIFF INSURANCE SERVICES INC Filed as: MCGRIFF INSURANCE SERVICES, INC. | NOT PROVIDED CHARLOTTE, NC 28289 | UNITED CONCORDIA INSURANCE COMPANY | $13K | — | $13K | 2.40% |
| M & O AGENCIES INC3 | 1835 S EXTENSION ROAD MESA, AZ 85210 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 11.42% |
| MCGRIFF INSURANCE SERVICES INC3 | NOT PROVIDED SUITE 1200 CHARLOTTE, NC 28289 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.58% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $625 | — | $625 | 0.39% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $106 | $106 | 0.07% |
| M & O AGENCIES INC3 Filed as: M & O AGENCIES, INC | 2625 W GERONIMO PL STE 350 CHANDLER, AZ 85224 | VISION SERVICE PLAN | $2K | — | $2K | 2.58% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | VISION SERVICE PLAN | $583 | — | $583 | 0.98% |
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 | 586 | 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) | 588 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLANS INC. | 550 | $6.7M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,275 | $522K |
| Vision | VISION SERVICE PLAN | 572 | $59K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 586 | $159K |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLANS INC. | 550 | $6.7M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 586 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,275 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.