| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF AZ LLC | 14805 N 73RD STREET SCOTTSDALE, AZ 85260 | METROPOLITAN TOWER LIFE INSURANCE COMPANY | $1.2M | $19 | $1.2M | 77.92% |
| DULY-BOLWAR & ASSOCIATES, INC3 Filed as: DULY-BOLWAR & ASSOCIATES, INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED HEALTHCARE INSURANCE CO | $117K | $0 | $117K | 9.72% |
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | $29K | $0 | $29K | 9.56% |
| DULY-BOLWAR & ASSOCIATES, INC3 Filed as: DULY-BOLWAR & ASSOCIATES, INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED HEALTHCARE INSURANCE CO | $0 | $0 | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NAVITUS HEALTH SOLUTIONS EIN 04-3608530 PHARMACY BENEFIT ADMIN | Claims processing; Direct payment from the plan Service code 12 | — | $9.2M |
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $2.0M |
| DELTA DENTAL OF WISCONSIN EIN 39-6094742 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | — | $95K |
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 | 4,337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE CO | 2,487 | $245K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN TOWER LIFE INSURANCE COMPANY | 4,355 | $2.7M |
| Short-term disability | UNITED HEALTHCARE INSURANCE CO | 4,355 | $1.2M |
| Long-term disability | UNITED HEALTHCARE INSURANCE CO | 4,355 | $1.2M |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 2,890 | $299K |
| Other | UNITED HEALTHCARE INSURANCE CO | 4,355 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,355 | — |
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.