| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DBP INSURANCE SOLUTIONS3 | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | BLUE SHIELD OF CALIFORNIA | $568K | — | $568K | 6.00% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $60K | $20K | $80K | 19.92% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES INC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED CONCORDIA INSURANCE COMPANY | $33K | — | $33K | 10.00% |
| DULEY BOLWAR & ASSOCIATES INC Filed as: DULEY-BOLWAR & ASSOCIATES | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $39K | $15K | $55K | 20.77% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED CONCORDIA INSURANCE COMPANY | $18K | — | $18K | 10.03% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $11K | $38K | 20.99% |
| DBP INSURANCE SOLUTIONS5 | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $10K | — | $10K | 10.03% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES INC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA | $10K | — | $10K | 9.99% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES | 14805 NORTH 73RD ST SCOTTSDALE, AZ 85260 | UNITED CONCORDIA INSURANCE COMPANY | $6K | — | $6K | 10.06% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 24.00% |
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 | 1,981 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,981 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 1,981 | $9.5M |
| Dental(4 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 713 | $667K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,500 | $103K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,805 | $421K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 517 | $179K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 381 | $263K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 1,981 | $9.5M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,805 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,981 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.