| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: ANDY BOLWAR & ASSOCIATES | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | $129K | — | $129K | 10.33% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: ANDY BOLWAR & ASSOCIATES LLC | 14805 N 73RD STREET SCOTTSDALE, AZ 85260 | RELIASTAR LIFE INSURANCE COMPANY | $66K | — | $66K | 11.90% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR ASSOCIATES INC | 14805 N 73RD ST SCOTTSDALE, AZ 852603107 | RELIASTAR LIFE INSURANCE COMPANY | $7K | — | $7K | 1.30% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: ANDY BOLWAR & ASSOCIATES, INC | 14805 N 73RD STREET SCOTTSDALE, AZ 85260 | RELIASTAR LIFE INSURANCE COMPANY | $42K | — | $42K | 15.00% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR ASSOCIATES INC | 14805 N 73RD STREET SCOTTSDALE, AZ 85260 | RELIASTAR LIFE INSURANCE COMPANY | $7K | — | $7K | 2.44% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: ANDY BOLWAR & ASSOCIATES | 14805 N 73RD STREET SCOTTSDALE, AZ 85260 | RELIASTAR LIFE INSURANCE COMPANY | $39K | — | $39K | 15.00% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: ANDY BOLWAR & ASSOCIATES INC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | HM LIFE INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: ANDY BOLWAR & ASSOCIATES INC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 21.39% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: ANDY BOLWAR & ASSOCIATES INC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | FIRST UNUM LIFE INSURANCE COMPANY | $414 | — | $414 | 16.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ARIZONA EIN 86-0004538 CLAIMS ADMINISTRATION | Claims processing; Contract Administrator Service code 12 | 2444 W LAS PALMARITAS DRIVE PHOENIX, AZ 85021 | $1.1M |
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 | 4,026 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 2,285 | $1.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 4,458 | $1.2M |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 3,647 | $1.4M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 4,824 | $557K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,191 | $263K |
| Long-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 809 | $282K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 2,285 | $1.2M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 2,285 | $1.2M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 4,026 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,824 | — |
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.