| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENIFIT LLC3 | 20343 NORTH HAYDEN ROAD SUITE 105-231 SCOTTSDALE, AZ 85255 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $51K | $64K | 5.09% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES INC | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85255 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $24K | $27K | 2.18% |
| DBG BENEFIT SOLUTIONS3 | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.34% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 8.86% |
| BENIFIT LLC3 | 20343 NORTH HAYDEN ROAD SUITE 105-231 SCOTTSDALE, AZ 85255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $853 | $4K | 7.83% |
| BENIFIT LLC3 | 20343 NORTH HAYDEN ROAD SUITE 105-231 SCOTTSDALE, AZ 85255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $849 | $4K | 11.14% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.28% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.46% |
| BENIFIT LLC3 | 20343 NORTH HAYDEN ROAD SUITE 105-231 SCOTTSDALE, AZ 85255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $613 | $3K | 8.41% |
| BENIFIT LLC3 | 20343 NORTH HAYDEN ROAD SUITE 105 SCOTTSDALE, AZ 85255 | VISION SERVICE PLAN | $872 | — | $872 | 3.35% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $416 | — | $416 | 1.60% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES INC | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | FIDELITY SECURITY LIFE | $2K | — | $2K | 15.00% |
| BENIFIT LLC3 | 20343 NORTH HAYDEN ROAD SUITE 105-231 SCOTTSDALE, AZ 85255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $686 | $199 | $885 | 9.48% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $714 | — | $714 | 7.65% |
| BENIFIT LLC3 | 20343 NORTH HAYDEN ROAD SUITE 105-231 SCOTTSDALE, AZ 85255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $616 | $186 | $802 | 8.79% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $753 | — | $753 | 8.25% |
| BENIFIT LLC3 | 20343 NORTH HAYDEN ROAD SUITE 105-231 SCOTTSDALE, AZ 85255 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $509 | $175 | $684 | 11.61% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $375 | — | $375 | 6.37% |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 324 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 324 | $1.3M |
| Vision | VISION SERVICE PLAN | 123 | $26K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 76 | $33K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 65 | $51K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 209 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.