| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 4544 EAST CAMP LOWELL DRIVE TUCSON, AZ 85712 | DELTA DENTAL OF ARIZONA | $14K | $0 | $14K | 9.92% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES, INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $7K | $24K | 20.63% |
| ASSUREDPARTNERS3 | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 9.89% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR PEDERSON | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $11 | $0 | $11 | 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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARIZONA | 348 | $138K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 332 | $20K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $115K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $115K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $115K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 348 | — |
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.