| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EPIX SOLUTIONS3 | 6795 EDMOND ST FL 3 LAS VEGAS, NV 89118 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES INC | $68K | — | $68K | 2.12% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANONE SIMPSON INS SRV LLC | 5550 TOPANGA CANYON BLVD STE 310 WOODLAND HILLS, CA 91367 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES INC | $47K | — | $47K | 1.48% |
| DANIEL D NELSON3 | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES INC | $25K | — | $25K | 0.79% |
| EPIX SOLUTIONS3 | 6795 EDMOND ST FL 3 LAS VEGAS, NV 89118 | AMERITAS LIFE INSURANCE CORP | $13K | $5K | $18K | 5.74% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANONE SIMPSON INS SERVICES LLC | DBA MONTAGE INSURANCE SOLUTIONS 5550 TOP CYN BLVD STE 310 WOODLAND HILLS, CA 91367 | AMERITAS LIFE INSURANCE CORP | $7K | — | $7K | 2.25% |
| DANIEL D NELSON3 | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | AMERITAS LIFE INSURANCE CORP | $5K | — | $5K | 1.53% |
| EPIX SOLUTIONS3 | 6795 EDMOND ST FL 3 LAS VEGAS, NV 89118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 11.87% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANONE SIMPSON INS SERVICES LLC | 5550 TOPANGA CANYON BLVD STE 31 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.12% |
| DANIEL D NELSON3 | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $984 | — | $984 | 2.29% |
| EPIX SOLUTIONS3 | 6795 EDMOND ST FL 3 LAS VEGAS, NV 89118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 12.21% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANONE SIMPSON INS SERVICES LLC | 5550 TOPANGA CANYON BLVD STE 31 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.33% |
| DANIEL D NELSON3 | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $898 | — | $898 | 2.21% |
| EPIX SOLUTIONS3 | 6795 EDMOND ST FL 3 LAS VEGAS, NV 89118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $219 | $1K | 4.48% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANONE SIMPSON INS SERVICES LLC | 5550 TOPANGA CANYON BLVD STE31 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.32% |
| DANIEL D NELSON3 | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $885 | — | $885 | 2.66% |
| EPIX SOLUTIONS3 | 6795 EDMONDS ST FL 3 LAS VEGAS, NV 89118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $3K | $4K | 13.77% |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANONE SIMPSON INS SERVICES LLC | 5550 TOPANGA CANYON BLVD STE 31 WOODLAND HILLS, CA 91367 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.23% |
| DANIEL D NELSON3 | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $848 | — | $848 | 2.60% |
| EPIX SOLUTIONS3 | 6795 EDMON ST 323 LAS VEGAS, NV 89118 | METROPOLITAN LIFE COMPANY | $5K | — | $5K | — |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANONE SIMPSON INS SRV | DBA MONTAGE INSURANCE 5550 TOPANGA CANYON BLVD 310 WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE COMPANY | $4K | $310 | $4K | — |
| DANIEL D NELSON3 Filed as: DANIEL NELSON FINANCIAL GROUP INC | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | METROPOLITAN LIFE COMPANY | — | $31 | $31 | — |
| EPIX SOLUTIONS3 Filed as: EPIX SOLUSTIONS | 6795 EDMOND ST 323 LAS VEGAS, NV 89118 | METROPOLITAIN LIFE INSURANCE COMPANY | $5K | — | $5K | — |
| DANONE SIMPSON INSURANCE SERVICES3 Filed as: DANONE SIMPSON INSURANCE SRV | DBA MONTAGE INSURANCE 5550 TOPANGA CANYON BLVD 310 WOODLAND HILLS, CA 91367 | METROPOLITAIN LIFE INSURANCE COMPANY | $3K | $275 | $4K | — |
| DANIEL D NELSON3 Filed as: DANIEL NELSON FINANCIAL GROUP INC | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | METROPOLITAIN LIFE INSURANCE COMPANY | — | $31 | $31 | — |
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 | 420 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES INC | 803 | $3.2M |
| Dental | AMERITAS LIFE INSURANCE CORP | 915 | $316K |
| Vision(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICES INC | 915 | $3.5M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 671 | $74K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $33K |
| Stop-loss / reinsurancereinsurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 84 | $43K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 671 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 915 | — |
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.
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.