| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 4544 EAST CAMP LOWELL DRIVE SUITE 110 TUCSON, AZ 85712 | BLUE CROSS BLUE SHIELD OF ARIZONA | $43K | $0 | $43K | 4.94% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BULWAR & ASSOCIATES, INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | $4K | $0 | $4K | 0.46% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BULWAR & ASSOCIATES, INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 6.74% |
| ASSUREDPARTNERS3 | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.71% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.02% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 138 | $869K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $136K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $136K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $136K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $136K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $136K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 138 | $869K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 183 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.