| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL D NELSON3 Filed as: DANIEL NELSONFINANCIAL GROUP INC. | 8753 E BELL RD STE 110 SCOTTSDALE, AL 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $112K | $22K | $134K | 7.07% |
| ADVANTAGE INSURANCE SERVICES, INC.3 | 1580 MAKALOA STREET, SUITE 1220 HONOLULU, HI 96814 | UNIVERSITY HEALTH ALLIANCE | $13K | — | $13K | 4.32% |
| DANIEL DAVID NELSON3 | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | DELTA DENTAL | $7K | — | $7K | 5.00% |
| DANIEL D NELSON3 | 87533 E BELL RD. STE 110 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 10.38% |
| DANIEL D NELSON3 | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 18.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | PO BOX 4386 2925 PALMER ST STE B MISSOULA, MT 59808 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$5K | -$546 | -$6K | -10.45% |
| DANIEL D NELSON3 | 8753 E BELL RD. STE 110 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| SHANNON L BRITTENHAM3 | 134 W BOWMAN DR KALISPELL, MT 59901 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 16.79% |
| CRAIG MICHELSEN3 Filed as: CRAIG S MICHELSEN | 914 20TH STREET SOUTH GREAT FALLS, MT 59405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $632 | — | $632 | 1.74% |
| JODY L WALK3 | 649 STANLEY ST BELLE FOURCHE, SD 57717 | CONTINENTAL AMERICAN INSURANCE COMPANY | $520 | — | $520 | 1.43% |
| WOITH INSURANCE AGENCY INC3 | 1725 41ST STREET S GREAT FALLS, MT 59405 | CONTINENTAL AMERICAN INSURANCE COMPANY | $228 | — | $228 | 0.63% |
| LISA M HALL3 | 6 EAGLE VIEW DRIVE CLANCY, MT 59634 | CONTINENTAL AMERICAN INSURANCE COMPANY | $136 | — | $136 | 0.37% |
| DAWN D SHEUE3 | PO BOX 3986 JACKSON, WY 83001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $42 | — | $42 | 0.12% |
| CASEY D HOBSON3 | 815 S BRIDGEWAY PLACE STE 100 EAGLE, ID 83616 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.10% |
| JAMES A PORTER3 | 223 STILLWATER CREEK DR BOZEMAN, MT 59718 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.08% |
| DANIEL D NELSON3 Filed as: DANIEL NELSON FINANCIAL GROUP INC | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $2K | — | $2K | 4.53% |
| DANIEL D NELSON3 | 8753 E BELL RD STE 110 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| DANIEL D NELSON3 | 8753 E BELL RD. STE 110 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 11.00% |
| DANIEL D NELSON3 | 8753 E BELL RD. STE 110 SCOTTSDALE, AZ 85260 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $259 | — | $259 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 ADMINISTRATION | Contract Administrator; Investment management; Direct payment from the plan; Other services; Participant communication; Non-monetary compensation; Claims processing; Named fiduciary; Float revenue Service code 12 | — | $6K |
| CIGNA LIFE & HEALTH INSURANCE CO | Other services; Direct payment from the plan; Participant communication; Float revenue; Named fiduciary; Non-monetary compensation; Claims processing Service code 12 | — | $0 |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 519 | $2.2M |
| Dental(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 249 | $439K |
| Vision(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 200 | $325K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 353 | $78K |
| Short-term disability(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 85 | $70K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 74 | $37K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 519 | $2.2M |
| Other(4 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 422 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 519 | — |
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.
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.