| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWARD & ASSOCIATES | 14805 N 73RD STREET PHOENIX, AZ 85260 | RELIASTAR INSURANCE COMPANY | $56K | — | $56K | 7.58% |
| AVESIS ESSENTIAL BENEFITS3 | PO BOX 52718 PHOENIX, AZ 85072 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF WISCONSIN EIN 39-0138065 CLAIMS PROCESSOR | Float revenue; Claims processing; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | 1351 WM HOWARD TAFT RD CINCINNATI, OH 45206 | $1.2M |
| DULEY BOLWAR & ASSOCIATES EIN 01-0586968 AGENT | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 14805 N 73RD ST PHOENIX, AZ 85260 | $67K |
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 | 2,188 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 2,187 | $133K |
| Life insurance | RELIASTAR INSURANCE COMPANY | 2,933 | $738K |
| Short-term disability | RELIASTAR INSURANCE COMPANY | 2,933 | $738K |
| Long-term disability | RELIASTAR INSURANCE COMPANY | 2,933 | $738K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF WISCONSIN | 2,890 | $465K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,933 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.