| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES INC. | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED HEALTHCARE INSURANCE COMPANY | $118K | — | $118K | 6.00% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES INC | DBA INSURANCE SOLUTIONS 14805 N 73RD ST SCOTTSDALE, AZ 852603107 | AMERITAS LIFE INSURANCE CORP. | $21K | $1K | $22K | 10.49% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 N 73RD ST SCOTTSDALE, AZ 852603107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $5K | $16K | 14.25% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 N 73RD ST SCOTTSDALE, AZ 852603107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $9K | 14.07% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR & ASSOCIATES INC. | 14805 N 73RD ST SCOTTSDALE, AZ 852603107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 13.92% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 N 73RD ST SCOTTSDALE, AZ 852603107 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $648 | $574 | $1K | 9.44% |
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 | 347 | 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) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 581 | $2.0M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 721 | $209K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 721 | $209K |
| Life insurance(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $189K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $109K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $60K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 721 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.