2025 A&O Factor Update
September 18, 2026
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 September accounting report reflected industry uncapped A&O of $2,196,380,985 and the statutory cap of $1,283,432,191. The factor is developed from these numbers and is currently at 58.43% ($1,283,432,191 / $2,196,380,985). 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 A&O Factor Update
September 18, 2026
We have reviewed the latest projections for the RY2026 A&O Cap Factor. Based on available data, we are moving our RY2026 Cap Factor estimate to 62.00% (vs. 57.0% previously).
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 September accounting report reflected industry uncapped A&O of $2,077,644,834 and the statutory cap of $1,318,116,246. The factor is developed from these numbers and is currently at 63.44% ($1,318,116,246 / $2,077,644,834). 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%.
Thank you,
NAU Country