2025 A&O Factor Update
December 19, 2025
As you are probably aware, RMA determines the final industry factor for the 2025 A&O in October 2026. We utilize this information to determine agent commissions. The factor changes monthly until that date. The December accounting report reflected industry uncapped A&O of $2,197,000,636 and the statutory cap of $1,283,432,191. The factor is developed from these numbers and is currently at 58.4174% ($1,283,432,191 / $2,197,000,636). The number is changing as more industry wide premiums are processed and/or adjusted for the 2025 year.
In 2025, we are currently paying commissions at 57.00%.
Thank you,
NAU Country
2026 Final A&O Factor
December 22, 2025
In 2026, we will be begin paying commissions at 57.00%.
Thank you,
NAU Country