| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR AND ASSOCIATES INC | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $2K | $41K | 7.80% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | $13K | $49K | 20.74% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | $10K | $36K | 20.83% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $7K | $25K | 21.21% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR PEDERSON | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85251 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 10.85% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | MUTUAL OF OMAHA INSURANCE COMPANY | $11K | $4K | $15K | 20.70% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.99% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $556 | $2K | 20.62% |
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 | 1,064 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,087 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,505 | $531K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,376 | $78K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,010 | $208K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 627 | $235K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $128K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,255 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,505 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.