| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SRA INSURANCE AGENCY LLC3 | 4544 EAST CAMP LOWELL DRIVE SUITE 110 TUCSON, AZ 85712 | UNITED CONCORDIA INSURANCE COMPANY | $14K | — | $14K | 6.64% |
| D. M. L. JR INC.3 | 4544 EAST CAMP LOWELL DRIVE SUITE 110 TUCSON, AZ 85712 | UNITED CONCORDIA INSURANCE COMPANY | $4K | — | $4K | 2.05% |
| SRA INSURANCE AGENCY LLC3 | 4544 EAST CAMP LOWELL DRIVE SUITE 110 TUCSON, AZ 85712 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 11.38% |
| DML JR INC.3 | 607 NORTH 6TH AVENUE TUCSON, AZ 85702 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 3.62% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR INSURANCE AGENCY INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.99% |
| SRA INSURANCE AGENCY LLC3 | 4544 EAST CAMP LOWELL DRIVE SUITE 110 TUCSON, AZ 85712 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | — | $15K | 11.32% |
| DML JR INC.3 | 607 NORTH 6TH AVENUE TUCSON, AZ 85702 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.68% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR INSURANCE AGENCY INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.00% |
| SRA INSURANCE AGENCY LLC3 | 4544 EAST CAMP LOWELL DRIVE SUITE 110 TUCSON, AZ 85712 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 11.21% |
| DML JR INC.3 | 607 NORTH 6TH AVENUE TUCSON, AZ 85702 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.79% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR INSURANCE AGENCY INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.90% |
| SRA INSURANCE AGENCY LLC3 | 4544 EAST CAMP LOWELL DRIVE SUITE 110 TUCSON, AZ 85712 | UNITED CONCORDIA INSURANCE COMPANY | $4K | — | $4K | 5.52% |
| D. M. L. JR INC.1 | 4544 EAST CAMP LOWELL DRIVE SUITE 110 TUCSON, AZ 85712 | UNITED CONCORDIA INSURANCE COMPANY | $1K | — | $1K | 1.64% |
| DML JR INC.3 Filed as: DML JR. INC. | 607 NORTH 6TH AVENUE TUCSON, AZ 85702 | EMPLOYERS DENTAL SERVICES | $4K | — | $4K | 8.00% |
| SRA INSURANCE AGENCY LLC3 | 4544 EAST CAMP LOWELL DRIVE SUITE 110 TUCSON, AZ 85712 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $2K | — | $2K | 5.97% |
| D. M. L. JR INC.3 | 4544 EAST CAMP LOWELL DRIVE SUITE 110 TUCSON, AZ 85712 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $458 | — | $458 | 1.44% |
| D. M. L. JR INC.3 Filed as: D M L JR INC. | 4544 EAST CAMP LOWELL DRIVE SUITE 110 TUCSON, AZ 857121334 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 7.27% |
| SRA INSURANCE AGENCY LLC3 | 4544 EAST CAMP LOWELL DRIVE SUITE 110 TUCSON, AZ 85712 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.37% |
| DML JR INC.3 | 607 NORTH 6TH AVENUE TUCSON, AZ 85702 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $533 | — | $533 | 3.63% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR INSURANCE AGENCY INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $274 | $274 | 1.87% |
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 | 739 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 743 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 3 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 638 | $367K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 569 | $206K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 397 | $109K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 315 | $156K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 370 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 638 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.