| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES, INC | 14805 N. 73RD ST. SCOTTSDALE, AZ 852603107 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $36K | — | $36K | 7.33% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA, LL | 14805 N 73RD STREET SCOTTSDALE, AZ 85260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.23% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA, LL | 14805 N 73RD STREET SCOTTSDALE, AZ 85260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| ASSURANCE AGENCY LTD3 Filed as: WESTERN ASSURANCE CORP | PO BOX 94600 ALBUQUERQUE, NM 87113 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $19 | $1K | 10.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 6565 AMERICAS PARKWAY NE, STE 720 ALBUQUERQUE, NM 87110 | PROVIDENT LIFE AND ACCIDENT INSURANCE | $638 | — | $638 | 19.61% |
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 | 137 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 190 | $495K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 190 | $495K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $15K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $61K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $64K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $64K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 190 | $495K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.