Commission Factors

2021 FINAL A&O Factor

October 24, 2022

RMA has determined the final A&O factor for 2021 at 59.3470%. NAU Country was estimating the 2021 A&O factor at 58.50%. We will input the final factor in our system today and adjust agent commissions accordingly.

2022 A&O Factor Update

November 21, 2022

As you are probably aware, RMA determines the final industry factor for the 2022 A&O in October 2023. We utilize this information to determine agent commissions. The factor changes monthly until that date. The November accounting report reflected industry uncapped A&O of $2,815,580,856 and the statutory cap of $1,283,432,191. The factor is developed from these numbers and is currently at 45.5832% ($1,283,432,191 / $2,815,580,856). The number is changing as more industry wide premiums are processed and/or adjusted for the 2022 year.

In 2022, we are currently paying commissions at 44.75%.

Thank you,
NAU Country