| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL D NELSON3 Filed as: DANIEL NELSON FINANCIAL GROUP | 2002 W SUNNYSIDE DRIVE PHOENIX, AZ 85029 | SYMETRA LIFE INSURANCE COMPANY | $51K | — | $51K | 10.00% |
| MGU OF THE WEST INS SVCS INC3 | 2002 W SUNNYSIDE DRIVE PHOENIX, AZ 85029 | SYMETRA LIFE INSURANCE COMPANY | $26K | — | $26K | 5.00% |
| CSA GENERAL INS AGENCY INC3 | 2480 W LAS PALMARITAS DR PHOENIZ, AZ 85029 | SYMETRA LIFE INSURANCE COMPANY | — | $9K | $9K | 1.66% |
| DANIEL D NELSON3 Filed as: DANIEL NELSON FINANCIAL GROUP | 8595 E BELL ROAD #D101 SCOTTSDALE, AZ 85260 | GUARDIAN | $9K | $9K | $17K | 8.20% |
| NELSON FINANCIAL GROUP LLC3 Filed as: NELSON FINANCIAL GROUP | 8753 EAST BELL RD STE 100 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| RUTH C KENTIGIAN INC3 | 22809 N 48TH PL PHOENIX, AZ 85054 | AFLAC | $13K | $158 | $13K | 16.99% |
| ELIZABETH CAROL VESELY3 | 6000 N 31ST AVE STE C107 PHOENIX, AZ 85051 | AFLAC | $3K | $17 | $3K | 3.60% |
| RYAN KADAVY3 Filed as: RYAN L KADAVY | 8542 W FOOTHILL DR PEORIA, AZ 85383 | AFLAC | $2K | $17 | $2K | 2.39% |
| CLAUDIA L FELDMAN3 | 9037 E CASITAS DEL RIO DR SCOTTSDALE, AZ 85255 | AFLAC | $1K | — | $1K | 1.65% |
| SHAWN HOLTORF3 | 5522 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $468 | $13 | $481 | 0.62% |
| JEFFREY A KLEINMAN SR3 Filed as: JEFFREY AARON KLEINMAN SR | 3420 E SHEA BLVD STE 168 PHOENIX, AZ 85028 | AFLAC | $294 | $13 | $307 | 0.40% |
| CARLOS A CUBILLO3 Filed as: CARLOS CUBILLO | 7813 S 6TH DR PHOENIX, AZ 85041 | AFLAC | $258 | — | $258 | 0.33% |
| SCOTT WEBB3 | 2355 W PINNACLE PEAK RD STE 380 PHOENIX, AZ 85027 | AFLAC | $204 | $26 | $230 | 0.30% |
| JEFFREY S GIBSON3 | 14301 N 87TH ST STE 313 SCOTTSDALE, AZ 85260 | AFLAC | $215 | — | $215 | 0.28% |
| LADONNA L FORD3 | 19068 W VAL VISTA BLVD CASA GRANDE, AZ 85122 | AFLAC | $166 | — | $166 | 0.22% |
| MICHAEL J MCNAUGHTON3 | 29622 N 21ST DR PHOENIX, AZ 85085 | AFLAC | $36 | — | $36 | 0.05% |
| MARVIN MORTENSON3 | 414 LOWER RANCH DR 13-B N ELK LAKE NEW MEADOWS, ID 83654 | AFLAC | $33 | — | $33 | 0.04% |
| PAUL R JEFFRIES3 Filed as: PAUL JEFFRIES | 3519 RIVER DR S FARGO, ND 58104 | AFLAC | $26 | — | $26 | 0.03% |
| PREFERRED MARKETING CORP3 | 7402 KINGS RIVER CT HUMBLE, TX 77346 | AFLAC | $16 | — | $16 | 0.02% |
| LEE C DERUM3 | 13601 S 44TH ST APT 2107 PHOENIX, AZ 85044 | AFLAC | $14 | — | $14 | 0.02% |
| LAURIE JO ANDERTON3 | 847 E INCA ST MESA, AZ 85203 | AFLAC | $13 | — | $13 | 0.02% |
| NATALIE MALHAM3 | 5642 E EDGEMONT AVE SCOTTSDALE, AZ 85257 | AFLAC | $13 | — | $13 | 0.02% |
| CHRISTINE A HAUK3 | 2100 S COTTONWOOD DR TEMPE, AZ 85282 | AFLAC | $12 | — | $12 | 0.02% |
| MARTIN MCCAIN3 | 19731 SWEETGUM FOREST DR HUMBLE, TX 77346 | AFLAC | $10 | — | $10 | 0.01% |
| MERLE DALE HALL3 | 950 W BANNOCK STE 1100 BOISE, ID 83702 | AFLAC | $9 | — | $9 | 0.01% |
| KRISTI KIM GOODELL3 | 10017 E MOUNTAINVIEW #1074 SCOTTSDALE, AZ 85258 | AFLAC | $9 | — | $9 | 0.01% |
| J M ELLWOOD3 | 8220 E SAN MIGUEL AVE SCOTTSDALE, AZ 85250 | AFLAC | $8 | — | $8 | 0.01% |
| NICOLE E BRINDLE3 | 3933 E ROSEMONTE DR PHOENIX, AZ 85050 | AFLAC | $8 | — | $8 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | AFLAC | $7 | — | $7 | 0.01% |
| JOHN A DONALDSON3 | 507 N SAM HOUSTON PKWY E STE 450 HOUSTON, TX 77060 | AFLAC | $4 | — | $4 | 0.01% |
| J A FERGUSON AND ASSOC INC3 Filed as: J A FERGUSON & ASSOC. INC | 14301 N 87TH ST STE 319 SCOTTSDALE, AZ 85260 | AFLAC | $3 | — | $3 | 0.00% |
| DONALD GREEN3 Filed as: DONALD A GREEN | 1611 W PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $1 | — | $1 | 0.00% |
| GREGORY F STENZEL3 | 6800 STONY HILL RD MCKINNEY, TX 75070 | AFLAC | $1 | — | $1 | 0.00% |
| NELSON FINANCIAL GROUP LLC3 Filed as: NELSON FINANCIAL GROUP | 8753 EAST BELL RD STE 100 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| NELSON FINANCIAL GROUP LLC3 Filed as: NELSON FINANCIAL GROUP | 8753 EAST BELL RD STE 100 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| SHARON OKONIEWSKI4 | 3163 E. BELLERIVE DR CHANDLER, AZ 85249 | PRE-PAID LEGAL SERVICES, INC | $595 | — | $595 | 10.97% |
| RICH N. TARRANT4 | 3175 N. PRICE RD CHANDLER, AZ 85224 | PRE-PAID LEGAL SERVICES, INC | $64 | — | $64 | 1.18% |
| ROBERT N KAGEL4 | 6522 W. CHOLLA ST GLENDALE, AZ 85304 | PRE-PAID LEGAL SERVICES, INC | $38 | — | $38 | 0.70% |
| JON P. VELTRI4 | 205 S. HIGLEY RD MESA, AZ 85206 | PRE-PAID LEGAL SERVICES, INC | $12 | — | $12 | 0.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MMSI, INC. EIN 41-1547003 NONE | Claims processing Service code 12 | 4001 41ST ST NW ROCHESTER, MN 559018901 | $141K |
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 | 411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 101 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 342 | $212K |
| Vision | GUARDIAN | 342 | $212K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 539 | $19K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 399 | $81K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 299 | $514K |
| Other(4 contracts, 3 carriers) | AFLAC | 539 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 539 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.