| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | BLUE SHIELD OF CALIFORNIA | $555K | $154 | $555K | 5.88% |
| DULEY BOLWAR & ASSOCIATES INC3 | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $66K | $20K | $85K | 19.36% |
| DULEY BOLWAR & ASSOCIATES INC9 Filed as: DULEY-BOLWAR & ASSOCIATES INC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED CONCORDIA INSURANCE COMPANY | $32K | $2K | $34K | 10.44% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR PEDERSON | 14805 N 73RD ST. SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $39K | $16K | $54K | 21.06% |
| DULEY BOLWAR & ASSOCIATES INC4 | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $11K | $38K | 20.98% |
| DULEY BOLWAR & ASSOCIATES INC6 Filed as: DULEY-BOLWAR & ASSOCIATES | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED CONCORDIA INSURANCE COMPANY | $17K | $857 | $18K | 10.51% |
| DULEY BOLWAR & ASSOCIATES INC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $11K | — | $11K | 10.03% |
| DULEY BOLWAR & ASSOCIATES INC4 Filed as: DULEY BOLWAR INS AGENCY INC | 14805 NORTH 73RD ST SCOTTSDALE, AZ 85260 | UNITED CONCORDIA INSURANCE COMPANY | $10K | $514 | $11K | 10.38% |
| DULEY BOLWAR & ASSOCIATES INC4 Filed as: DULEY-BOLWAR & ASSOCIATES INC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA | $6K | $284 | $6K | 10.34% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES, INC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 21.19% |
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 | 1,988 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,006 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 1,988 | $9.4M |
| Dental(4 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 734 | $659K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,534 | $107K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,612 | $473K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 550 | $181K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 368 | $257K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 1,988 | $9.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,612 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,988 | — |
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."
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.