| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFIT CONNECTION, LLC | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $1K | $18K | 10.25% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA, LLC | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $843 | $10K | 5.62% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR INSURANCE AGENCY, INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.26% |
| CASSANDRA GREEN3 Filed as: CASSANDRA PRINKE | 25825 NORTH MOON BLOSSUM LANE PHOENIX, AZ 85083 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 7.17% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ARIZONA | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 5.52% |
| KLOKE BUSINESS SOLUTIONS, LLC3 | 4200 SOUTHAVEN ROAD RICHMOND, VA 23235 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $24 | $0 | $24 | 0.08% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: ANDY BOLWAR AND ASSOCIATES, INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | HM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
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 | 379 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARIZONA | 363 | $122K |
| Vision | HM LIFE INSURANCE COMPANY | 318 | $19K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 379 | $180K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 379 | $180K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 379 | $180K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 379 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.