| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $68K | $0 | $68K | 9.49% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR AND ASSOCIATES INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $39K | $39K | 5.35% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $0 | $18K | 3.58% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR AND ASSOCIATES INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 0.20% |
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 | 855 | 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) | 855 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 971 | $512K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 971 | $512K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 855 | $722K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 855 | $722K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 855 | $722K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 855 | $722K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 971 | — |
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.