| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 2185 NORTH CALIFORNIA BOULEVARD SUITE 400 WALNUT CREEK, CA 94596 | CALIFORNIACHOICE | $23K | $0 | $23K | 3.28% |
| AMWINS3 Filed as: AMWINS CONNECT INS SVCS LLC | UNKNOWN PETALUMA, CA 94952 | CALIFORNIACHOICE | $12K | $0 | $12K | 1.74% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA LLC | UNKNOWN PETALUMA, CA 94952 | CALIFORNIACHOICE | $12K | $0 | $12K | 1.71% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES | UNKNOWN PETALUMA, CA 94952 | CALIFORNIACHOICE | $90 | $0 | $90 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $58 | $5K | 5.75% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $2K | $4K | 3.76% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA LLC | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $19 | $2K | 1.72% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $707 | $707 | 0.75% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $535 | $0 | $535 | 10.19% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES | 14805 NORTH 73RD STREET SCOTTSDALE, CA 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $253 | $104 | $357 | 6.80% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIACHOICE | 90 | $694K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $94K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $94K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $94K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $94K |
| Prescription drug | CALIFORNIACHOICE | 90 | $694K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.