2024 A&O Factor Update
September 22, 2025
As you are probably aware, RMA determines the final industry factor for the 2024 A&O in October 2025. We utilize this information to determine agent commissions. The factor changes monthly until that date. The September accounting report reflected industry uncapped A&O of $2,288,114,962 and the statutory cap of $1,283,432,191. The factor is developed from these numbers and is currently at 56.09% ($1,283,432,191 / $2,288,114,962). The number is changing as more industry wide premiums are processed and/or adjusted for the 2024 year.
In 2024, we are currently paying commissions at 54.75%.
Thank you,
NAU Country
2025 A&O Factor Update
October 7, 2025
We have reviewed the latest projections for the RY2025 A&O Cap Factor. Based on available data, we are moving our RY2025 Cap Factor estimate to 57.0% (vs. 53.0% previously). Please note that RMA determines the final industry factor for RY2025 in October 2026, and any differences will be trued up at that time.
Thank you,
NAU Country