| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: ANDY BOLWAR & ASSOCIATES LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | — | — | $0 | 0.00% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFIT CONNECTION LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | RELIASTAR LIFE INSURANCE COMPANY | $31K | — | $31K | 6.65% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: ANDY BOLWAR & ASSOCIATES LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | RELIASTAR LIFE INSURANCE COMPANY | $30K | — | $30K | 6.32% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | RELIASTAR LIFE INSURANCE COMPANY | $6K | — | $6K | 1.36% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFIT CONNECTION LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | RELIASTAR LIFE INSURANCE COMPANY | $26K | — | $26K | 7.65% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: ANDY BOLWAR & ASSOCIATES LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | RELIASTAR LIFE INSURANCE COMPANY | $25K | — | $25K | 7.35% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | RELIASTAR LIFE INSURANCE COMPANY | $5K | — | $5K | 1.51% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: ANDY BOLWAR & ASSOCIATES LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | RELIASTAR LIFE INSURANCE COMPANY | $25K | — | $25K | 7.52% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFIT CONNECTION LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | RELIASTAR LIFE INSURANCE COMPANY | $25K | — | $25K | 7.48% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | RELIASTAR LIFE INSURANCE COMPANY | $5K | — | $5K | 1.46% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: ANDY BOLWAR & ASSOCIATES LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | HM LIFE INSURANCE COMPANY | $21K | — | $21K | 10.00% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: ANDY BOLWAR & ASSOCIATES LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | RELIASTAR LIFE INSURANCE COMPANY | $17K | — | $17K | 80.25% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | RELIASTAR LIFE INSURANCE COMPANY | $356 | — | $356 | 1.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ARIZONA EIN 86-0004538 CLAIMS ADMINISTRATION/FEE | Contract Administrator; Claims processing 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 | 4,886 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,886 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 4,332 | $500K |
| Dental | DELTA DENTAL OF ARIZONA | 2,400 | $1.2M |
| Vision | HM LIFE INSURANCE COMPANY | 4,074 | $210K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 5,604 | $471K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,191 | $328K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 806 | $334K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 4,332 | $500K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 4,332 | $500K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 4,886 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,604 | — |
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.