| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | PO BOX 3430 CARMEL, IN 46082 | UNITEDHEALTHCARE INSURANCE COMPANY | $306 | $31K | $31K | 5.28% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES, INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITEDHEALTHCARE INSURANCE COMPANY | $345 | $0 | $345 | 0.06% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | 3900 EAST CAMELBACK ROAD, SUITE 225 PHOENIX, AZ 85018 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $7K | 9.27% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES, INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $501 | $4K | 5.35% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES, INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | DELTA DENTAL OF ARIZONA | $2K | $0 | $2K | 5.09% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | 3900 EAST CAMELBACK ROAD, SUITE 225 PHOENIX, AZ 00008 | DELTA DENTAL OF ARIZONA | $2K | $0 | $2K | 4.72% |
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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 133 | $587K |
| Dental | DELTA DENTAL OF ARIZONA | 64 | $40K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 133 | $587K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $73K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $73K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $73K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 133 | $587K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.
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.