| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DBP INSURANCE SOLUTIONS3 | 14805 N 73RD ST SCOTTSDALE, AZ 852603107 | KAISER FOUNDATION HEALTH PLAN INC. | $19K | — | $19K | 3.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. OF AZ, INC | PO BOX 2800 PHOENIX, AZ 850022800 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | — | $8K | 1.55% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOC INC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $9K | — | $9K | 3.78% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 N 73RD ST SCOTTSDALE, AZ 852603107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 8.01% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 N 73RD ST SCOTTSDALE, AZ 852603107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 8.00% |
| WCH CONSULTANTS LLC4 | 20118 N 67TH AVE SUITE 300-180 GLENDALE, AZ 85308 | PRE-PAID LEGAL SERVICES, INC. | $3K | — | $3K | 15.69% |
| JOHN J. ONEILL4 | 12560 N. FALLEN SHADOWS DR MARANA, AZ 85658 | PRE-PAID LEGAL SERVICES, INC. | $764 | — | $764 | 3.56% |
| WAJUCO ASSOCIATES LLC4 | 3004 N 190TH DR LITCHFIELD PARK, AZ 85340 | PRE-PAID LEGAL SERVICES, INC. | $37 | — | $37 | 0.17% |
| GLEN B. DELANDER4 | 6360 W. DESERT HOLLOW DR PHOENIX, AZ 85083 | PRE-PAID LEGAL SERVICES, INC. | $34 | — | $34 | 0.16% |
| CHARLES A WALTERS4 Filed as: CHARLES A. WALTERS | 23825 N. 65TH DR. GLENDALE, AZ 85310 | PRE-PAID LEGAL SERVICES, INC. | $25 | — | $25 | 0.12% |
| LOYD R. SCHMIDT4 | 1304 S 105TH PL APT 1042 MESA, AZ 85209 | PRE-PAID LEGAL SERVICES, INC. | $12 | — | $12 | 0.06% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 407 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BERKELEY LIFE AND HEALTH INSURANCE COMPANY | 370 | $944K |
| Dental(2 contracts, 2 carriers) | AETNA INTERNATIONAL | 5 | $371K |
| Vision(3 contracts, 3 carriers) | AETNA INTERNATIONAL | 344 | $457K |
| Life insurance(5 contracts, 4 carriers) | BERKELEY LIFE AND HEALTH INSURANCE COMPANY | 410 | $1.2M |
| Short-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 410 | $238K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 410 | $311K |
| Prescription drug | AETNA INTERNATIONAL | 0 | $307K |
| Other(5 contracts, 4 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 750 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 750 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.