| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL D NELSON3 | 9668 EAST BUTEO DRIVE SCOTTSDALE, AZ 85255 | GUARDIAN | $47K | — | $47K | 10.00% |
| NELSON FINANCIAL GROUP LLC3 Filed as: NELSON FINANCIAL GROUP, LLC | — | GUARDIAN | — | $9K | $9K | 1.99% |
| DANIEL D NELSON3 | 8753 E BELL RD SUITE 110 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| EPIX SOLUTIONS3 | 5740 ARVILLE ST SUITE 204 LAS VEGAS, NV 89118 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 7.72% |
| DANONE SIMPSON INSURANCE SERVICES3 | DBA MONTAGE INSURANCE 5550 TOPANGA CANYON BLVD #310 WOODLAND HILLS, CA 91367 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.72% |
| DANIEL D NELSON3 Filed as: DANIEL NELSON FINANCIAL GROUP INC | 8753 E BELL RD SUITE 110 SCOTTSDALE, AZ 85260 | METROPOLITAN LIFE INSURANCE COMPANY | — | $25 | $25 | 0.09% |
| DANIEL D NELSON3 | 8753 E BELL RD SUITE 110 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
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 | 476 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 29 | $29K |
| Dental | GUARDIAN | 476 | $474K |
| Vision | GUARDIAN | 476 | $474K |
| Life insurance | GUARDIAN | 476 | $474K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 90 | $33K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $27K |
| Other | GUARDIAN | 476 | $474K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 476 | — |
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.