| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOWLAR & ASSOCIATES INC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $34K | $34K | 4.01% |
| FBC SERVICES INC3 | 14201 N 87TH ST SCOTTSDALE, AZ 85260 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 1.25% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR AND ASSOCIATES INC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.55% |
| FBC SERVICES INC3 | 14201 N 87TH ST SCOTTSDALE, AZ 85260 | METROPOLITAN LIFE INSURANCE COMPANY | $660 | — | $660 | 0.86% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $742 | $157 | $899 | 4.46% |
| FBC SERVICES INC3 | 14201 N 87TH ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $266 | — | $266 | 1.32% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $625 | $540 | $1K | 14.11% |
| FBC SERVICES INC3 | 14201 N 87TH ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $200 | $0 | $200 | 2.42% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR | 14805 SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $793 | $380 | $1K | 16.35% |
| FBC SERVICES INC3 | 14201 N 87TH ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $283 | $0 | $283 | 3.94% |
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 | 208 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $857K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $77K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $77K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $7K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 43 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.