| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES INC. | 14805 N 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $9K | $29K | 21.66% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $6K | $23K | 21.06% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $5K | $15K | 21.58% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES INC. | 14805 N 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $1K | $7K | 18.68% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR PEDERSON | 14805 N 73RD ST SCOTTSDALE, AZ 85251 | EYEMED VISION | $147 | — | $147 | 0.41% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES INC. | 14805 N 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 21.57% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & PEDERSON | 14805 N 73RD STREET SCOTTSDALE, AZ 85251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMIN VIA ASA | Float revenue; Participant communication; Contract Administrator; Non-monetary compensation; Other services; Direct payment from the plan; Claims processing Service code 12 | — | $223K |
| CIGNA HEALTH & LIFE INSURANCE CO 59 | Contract Administrator; Non-monetary compensation; Claims processing; Other services; Direct payment from the plan; Participant communication; Float revenue Service code 12 | — | $0 |
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 | 641 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 641 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION | 569 | $36K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE CO | 641 | $681K |
| Other(6 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 381 | $404K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 641 | — |
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.