| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DULY-BOLWAR & ASSOCIATES, INC3 Filed as: DULY-BOLWAR & ASSOCIATES INC | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITEDHEALTHCARE INSURANCE COMPANY | $109K | — | $109K | 11.59% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | AETNA LIFE INSURANCE COMPANY | $23K | — | $23K | 9.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC, EIN 33-0441200 PHARMACY BENEFIT MNGMT | Direct payment from the plan; Claims processing; Float revenue; Other fees Service code 12 | — | $4.0M |
| UMR INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 54402 | $1.1M |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | 2801 HOOVER ROAD STEVENS POINT, WI 54481 | $73K |
| OPTUMRX, INC. | Other fees; Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $0 |
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 | 4,915 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,923 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AETNA LIFE INSURANCE COMPANY | 2,326 | $230K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 3,689 | $941K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 3,689 | $941K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 3,689 | $941K |
| Stop-loss / reinsurancereinsurance | STANDARD SECURITY LIFE | 2,604 | $546K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 3,689 | $941K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,689 | — |
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.