| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DBP INSURANCE SOLUTIONS | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | BLUE SHIELD OF CALIFORNIA | $618K | — | $618K | 6.00% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES INC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $67K | $19K | $87K | 19.34% |
| DULEY BOLWAR & ASSOCIATES INC5 Filed as: DULEY-BOLWAR & ASSOCIATES INC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED CONCORDIA INSURANCE COMPANY | $43K | — | $43K | 10.73% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $39K | $15K | $53K | 20.71% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES | 14805 NORTH 73RD ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $26K | $10K | $37K | 20.80% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES INC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED CONCORDIA INSURANCE COMPANY | $19K | — | $19K | 10.96% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY-BOLWAR & ASSOCIATES INC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $7K | $18K | 15.80% |
| DULEY BOLWAR & ASSOCIATES INC Filed as: DULEY-BOLWAR & ASSOCIATES | 14805 NORTH 73RD ST SCOTTSDALE, AZ 85260 | UNITED CONCORDIA INSURANCE COMPANY | $11K | — | $11K | 10.65% |
| DULEY BOLWAR & ASSOCIATES INC5 Filed as: DULEY-BOLWAR & ASSOCIATES INC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA | $6K | — | $6K | 10.67% |
| DULEY BOLWAR & ASSOCIATES INC5 Filed as: DULEY-BOLWAR & ASSOCIATES INC | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
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 | 1,997 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,997 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 1,997 | $10.3M |
| Dental(4 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 820 | $733K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 930 | $115K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,955 | $469K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 543 | $176K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 333 | $258K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 1,997 | $10.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,955 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,997 | — |
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.