2025 Final A&O Factor
October 10, 2026
RMA has determined the final A&O factor for 2025 at 58.4274%. NAU Country was estimating the 2025 A&O factor at 57.00%. We will input the final factor in our system today and adjust agent commissions accordingly.
Thank you,
NAU Country
2026 A&O Factor Update
October 10, 2026
As you are probably aware, RMA determines the final industry factor for the 2026 A&O in October 2027. We utilize this information to determine agent commissions. The factor changes monthly until that date. The October accounting report reflected industry uncapped A&O of $2,067,311,298 and the statutory cap of $1,318,116,246. The factor is developed from these numbers and is currently at 63.7599% ($1,318,116,246 / $2,067,311,298). The number is changing as more industry wide premiums are processed and/or adjusted for the 2026 year.
In 2026, we are currently paying commissions at 62.00%.
Thank you,
NAU Country