| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL D NELSON3 Filed as: DANIEL NELSON FINANCIAL GROUP INC. | 8753 EAST BELL ROAD, SUITE 110 SCOTTSDALE, AZ 85260 | BANNER INSURANCE AND AETNA HEALTH | $0 | $51K | $51K | 5.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD KANSAS CITY, MO 64108 | BANNER INSURANCE AND AETNA HEALTH | $0 | $9K | $9K | 0.89% |
| DANIEL D NELSON3 Filed as: DANIEL NELSON FINANCIAL GROUP INC. | 8753 EAST BELL ROAD, SUITE 110 SCOTTSDALE, AZ 85260 | AETNA LIFE INSURANCE CO. | $4K | $0 | $4K | 5.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD KANSAS CITY, MO 64108 | AETNA LIFE INSURANCE CO. | $668 | $98 | $766 | 0.99% |
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 | 289 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BANNER INSURANCE AND AETNA HEALTH | 289 | $974K |
| Dental | AETNA LIFE INSURANCE CO. | 253 | $78K |
| Vision | AETNA LIFE INSURANCE CO. | 253 | $78K |
| Prescription drug | BANNER INSURANCE AND AETNA HEALTH | 289 | $974K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.