| 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 | $19K | $8K | $27K | 21.44% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $7K | $22K | 21.38% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $4K | $15K | 21.38% |
| 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 | 21.95% |
| 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 | 21.37% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR PEDERSON | 14805 N 73RD ST SCOTTSDALE, AZ 85251 | EYEMED VISION | $102 | — | $102 | 0.44% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & PEDERSON | 14805 N 73RD STREET SCOTTSDALE, AZ 85251 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 22.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIM ADMIN VIA ASA | Direct payment from the plan; Float revenue; Non-monetary compensation; Claims processing; Other services; Contract Administrator; Participant communication Service code 12 | — | $246K |
| CIGNA HEALTH & LIFE INSURANCE CO 59 | Direct payment from the plan; Participant communication; Float revenue; Other services; Non-monetary compensation; Claims processing; Contract Administrator 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 | 534 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION | 459 | $23K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE CO | 534 | $642K |
| Other(6 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 351 | $379K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.