| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES | 14805 N 73RD STREET SCOTTSDALE, AZ 85260 | RELIASTAR LIFE INSURANCE COMPANY | $130K | $23K | $153K | 8.56% |
| ENROLLMENT RESOURCES GROUP3 Filed as: ENROLLMENT ADVISORS INC | PO BOX 366 BIRMINGHAM, AL 35201 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 0.23% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES INC DBA | DBG BENEFITS SOLUTIONS 14805 N 73RD STREET SCOTTSDALE, AZ 85260 | AETNA LIFE INSURANCE CO. | $107K | — | $107K | 9.12% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES | 14805 N 73RD STREET SCOTTSDALE, AZ 85260 | RELIASTAR LIFE INSURANCE COMPANY | $85K | $15K | $100K | 10.35% |
| ENROLLMENT RESOURCES GROUP3 Filed as: ENROLLMENT ADVISORS INC | PO BOX 366 BIRMINGHAM, AL 35201 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 0.24% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES INC DBA | DBG BENEFITS SOLUTIONS 14805 N 73RD STREET SCOTTSDALE, AZ 85260 | AETNA LIFE INSURANCE CO. | $63K | — | $63K | 9.15% |
| DBG BENEFIT SOLUTIONS3 Filed as: DBG BENEFIT SOLUTIONS INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $27K | — | $27K | 11.31% |
No Schedule C service providers reported on this filing.
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 | 6,006 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,012 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 5,807 | $2.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 5,807 | $238K |
| Life insurance(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 3,471 | $2.8M |
| Short-term disability(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 3,471 | $2.8M |
| Long-term disability(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 3,471 | $2.8M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 5,807 | $238K |
| Other(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 3,471 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,807 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.