| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFIT CONNECTION LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $55K | $4K | $58K | 11.29% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $2K | $25K | 4.82% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17K | $17K | 3.32% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFIT CONNECTION LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $41K | $9K | $50K | 13.04% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $4K | $21K | 5.49% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17K | $17K | 4.48% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFIT CONNECTION LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | $9K | $41K | 11.43% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $4K | $20K | 5.63% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $17K | $17K | 4.76% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: ANDY BOLWAR & ASSOCIATES LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | HM LIFE INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 8.30% |
| YOUR BENEFITS AGENCY INC3 Filed as: YOUR BENEFIT CONNECTION LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $351 | $6K | 11.26% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 8.06% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA LLC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $197 | $2K | 4.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ARIZONA EIN 86-0004538 CLAIMS ADMINISTRATION/FEE | 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 | 4,360 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 4,522 | $466K |
| Dental | DELTA DENTAL OF ARIZONA | 4,564 | $1.3M |
| Vision | HM LIFE INSURANCE COMPANY | 3,977 | $199K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,360 | $570K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,360 | $52K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,191 | $383K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 4,522 | $466K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 4,522 | $466K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,670 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,564 | — |
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.