| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES, INC. | 14805 NORTH 73RD SREET SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | $26K | $0 | $26K | 3.37% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH, SUITE 900 KANSAS CITY, MO 64112 | BLUE CROSS BLUE SHIELD OF ARIZONA | $12K | $0 | $12K | 1.55% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES, INC. | 14805 NORTH 73RD SREET SCOTTSDALE, AZ 85260 | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | $220 | $2K | 3.34% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET, FLOOR 35 SCOTTSDALE, CA 90017 | THE GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.39% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES, INC. | 14805 NORTH 73RD SREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 11.21% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE, SUITE 700 DENVER, CO 80237 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.09% |
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 | 287 | 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) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 76 | $777K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 130 | $74K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 130 | $851K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 287 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 287 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 287 | $41K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 76 | $777K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 287 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.