| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL D NELSON3 Filed as: DANIEL NELSON FINANCIAL | 8753 EAST BELL ROAD SUITE 110 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 8.45% |
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 1.55% |
| DANNY NELSON3 | 8753 EAST BELL ROAD SUITE 110 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $816 | $0 | $816 | 3.89% |
| LOVITT AND TOUCHE, INC.3 | 7202 EAST ROSEWOOD STREET SUITE 200 TUCSON, AZ 85710 | VISION SERVICE PLAN | $335 | $0 | $335 | 1.60% |
| DANIEL D NELSON3 Filed as: DANIEL NELSON FINANCIAL GROUP INC. | UNKNOWN SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $2K | $10K | 388.82% |
| LOVITT AND TOUCHE, INC.3 | UNKNOWN SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 100.00% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 153 | $3K |
| Vision | VISION SERVICE PLAN | 189 | $21K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $79K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $79K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $79K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.