| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES, INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED HEALTHCARE INSURANCE COMPANY | — | $139K | $139K | 14.29% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN RD SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | — | $14K | $14K | 5.00% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES, INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED HEALTHCARE INSURANCE COMPANY | — | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NAVITUS HEALTH SOLUTUIONS EIN 04-3608530 PHARMACY BENEFIT ADMIN | Direct payment from the plan; Claims processing Service code 12 | — | $7.6M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.6M |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 INSURANCE AGENT | Insurance agents and brokers Service code 22 | — | $93K |
| NAVITUS HEALTH SOLUTIONS | 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 | 5,538 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,553 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 5,272 | $225K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 4,707 | $973K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 4,707 | $973K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 4,707 | $973K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 3,107 | $287K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 4,707 | $973K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,272 | — |
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.