| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DBP INSURANCE SOLUTIONS3 | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | BLUE SHIELD OF CALIFORNIA-CALIFORNIA PHYSICIANS' SERVICE | $236K | — | $236K | 6.00% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR AND ASSOCIATES INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 852603107 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $91 | $11K | 7.09% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFIT CONNECTION LLC | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $883 | $13K | 15.03% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $589 | $6K | 6.69% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $11K | 17.96% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR PEDERSON | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85251 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 10.04% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR PEDERSON | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | CALIFORNIA DENTAL NETWORK, INC. | $3K | — | $3K | 7.00% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $973 | $4K | 11.69% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFIT CONNECTION LLC | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $748 | $6K | 16.13% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $499 | $3K | 7.42% |
| DBA HAMILTON INSURANCE AGENCY3 Filed as: DBA BENEFIT SOLUTIONS | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | TOTAL DENTAL ADMINISTRATORS HEALTH PLAN, INC. | $632 | — | $632 | 6.29% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $741 | $75 | $816 | 11.01% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | MUTUAL OF OMAHA INSURANCE COMPANY | $420 | — | $420 | 14.99% |
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 | 579 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA-CALIFORNIA PHYSICIANS' SERVICE | 891 | $3.9M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 257 | $220K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 877 | $50K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 579 | $98K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $7K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA-CALIFORNIA PHYSICIANS' SERVICE | 891 | $3.9M |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 579 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 891 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.