| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR AND ASSOCIATES INC. | 14805 NORTH 73RD STREET SCOTTDALE, AZ 85260 | AETNA HNO | $177K | $0 | $177K | 5.53% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR AND ASSOCIATES INC. | 14805 NORTH 73RD STREET SCOTTDALE, AZ 85260 | AETNA BANNER | $37K | $0 | $37K | 5.45% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR AND ASSOCIATES INC. | 14805 NORTH 73RD STREET SCOTTDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $30K | $6K | $36K | 11.86% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR AND ASSOCIATES INC. | 14805 NORTH 73RD STREET SCOTTDALE, AZ 85260 | AETNA LIFE INSURANCE COMPANY | $16K | $15K | $31K | 12.62% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR AND ASSOCIATES INC. | 14805 NORTH 73RD STREET SCOTTDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $10K | $32K | 15.82% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFIT CONNECTION LLC | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.89% |
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 | 596 | 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) | 596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HNO | 896 | $4.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 496 | $304K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 596 | $202K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 596 | $202K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HNO | 896 | $3.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 596 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 896 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.