| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DUANE BOLWAR | DULEY BOLWAR AND ASSOCIATES, INC 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | DELTA DENTAL OF ARIZONA | $14K | — | $14K | 5.99% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR AND ASSOC INC | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | STANDARD INSURANCE COMPANY | $18K | — | $18K | 12.47% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR AND ASSOC INC | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 12.53% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DUANE BOLWAR | DULEY BOLWAR AND ASSOCIATES, INC 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | DELTA DENTAL OF ARIZONA | $5K | — | $5K | 6.53% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR AND ASSOC INC | 14805 NORTH 73RD STRET SCOTTSDALE, AZ 85260 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 12.37% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR PEDERSON | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85251 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 8.33% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR AND ASSOCIATES INC | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 21.06% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DUDLEY BOLWAR AND ASSOCIATES INC | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 20.62% |
| ARIZONA BENEFIT CONSULTANTS LLC3 | 6245 NORTH 24TH PARKWAY SUITE 201 PHOENIX, AZ 85027 | METROPOLITAN LIFE INSURANCE COMPANY | $57 | — | $57 | 0.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ARIZONA EIN 86-0004538 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $152K |
| EVICOR EIN 47-2500642 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $8K |
| AMERICAN SPECIALTY HEALTH SYSTEMS EIN 33-0938349 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $5K |
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 | 462 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 509 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF ARIZONA | 256 | $313K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 745 | $48K |
| Life insurance | STANDARD INSURANCE COMPANY | 495 | $147K |
| Short-term disability | STANDARD INSURANCE COMPANY | 446 | $102K |
| Long-term disability | STANDARD INSURANCE COMPANY | 446 | $74K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 400 | $495K |
| Other(4 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 484 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 745 | — |
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.
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.