| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES | 14805 N 73RD STREET PHOENIX, AZ 85260 | RELIASTAR | $94K | — | $94K | 15.46% |
| DULEY BOLWAR & ASSOCIATES INC Filed as: DULEY BOLWAR & ASSOCIATES | 14805 N 73RD STREET PHOENIX, AZ 85260 | FIDELITY SECURITY LIFE INSUR CO | $14K | — | $14K | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF WISCONSIN EIN 39-0138065 CLAIMS PROCESSOR | Float revenue; Other services; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 1351 WM HOWARD TAFT RD CINCINNATI, OH 45206 | $936K |
| DULEY BOLWAR & ASSOCIATES EIN 01-0586968 BROKER | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 14805 N 73RD ST PHOENIX, AZ 85260 | $68K |
| DELTA DENTAL EIN 39-6094742 THIRD PARTY ADMIN | Contract Administrator Service code 13 | 2801 HOOVER ROAD STEVENS POINT, WI 54481 | $60K |
| RELIASTAR LIFE INSUR CO EIN 41-0451140 CLAIMS PROCESSOR | Float revenue; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | 20 WASHINGTON AVE S MINNEAPOLIS, MN 55401 | $35K |
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 | 1,919 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,919 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.