| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RESECO INSURANCE ADVISORS LLC3 | 7901 NORTH 16TH STREET SUITE 100 PHOENIX, AZ 85020 | BLUE CROSS BLUE SHIELD OF ARIZONA | $50K | — | $50K | 3.18% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | $34K | — | $34K | 2.18% |
| RESECO INSURANCE ADVISORS LLC3 | 7901 NORTH 16TH STREET SUITE 100 PHOENIX, AZ 85020 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 17.42% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $621 | — | $621 | 1.55% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES INC. | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | PRINCIPAL LIFE INSURANCE COMPANY | $372 | — | $372 | 4.05% |
| RESECO INSURANCE ADVISORS LLC3 | 7901 NORTH 16TH STREET SUITE 100 PHOENIX, AZ 85020 | PRINCIPAL LIFE INSURANCE COMPANY | $354 | — | $354 | 3.85% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 193 | $1.6M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 76 | $9K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 193 | $1.6M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 193 | $1.6M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.