| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF ARIZONA INC | 2800 N CENTRAL AVE STE 1600 PHOENIX, AZ 85004 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $34K | $34K | 4.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE OF | ARIZONA INC 2800 N CENTRAL AVE STE 1600 PHOENIX, AZ 850041047 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $1K | $18K | 17.54% |
| LIAZON BENEFITS INC5 | 199 SCOTT ST FL 8 BUFFALO, NY 142042265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 4.93% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR AND ASSOCIATES INC | 14805 N 73RD ST SCOTTSDALE, AZ 852603107 | METROPOLITAN LIFE INSURANCE COMPANY | $808 | — | $808 | 0.81% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF AZ INC | 2800 N. CENTRAL AVENUE #2800 PHOENIX, AZ 85004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.44% |
| LIAZON BENEFITS INC3 | 199 SCOTT ST 8TH FLOOR BUFFALO, NY 14204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOC INC | 1480S N 73RD ST SCOTTSDALE, AZ 85260 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $937 | — | $937 | 1.56% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 165 | $769K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $60K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 108 | $60K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 141 | $100K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 141 | $100K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 141 | $100K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 141 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.