2024 Final A&O Factor
October 21, 2025
RMA has determined the final A&O factor for 2024 at 56.0855%. NAU Country was estimating the 2024 A&O factor at 54.75%. We will input the final factor in our system today and adjust agent commissions accordingly.
Thank you,
NAU Country
2025 A&O Factor Update
November 20, 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 November accounting report reflected industry uncapped A&O of $2,195,014,899 and the statutory cap of $1,283,432,191. The factor is developed from these numbers and is currently at 58.4703% ($1,283,432,191 / $2,195,014,899). 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