| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL D NELSON3 Filed as: DANIEL NELSON FINANCIAL GROUP | 8753 EAST BELL RD STE 100 SCOTTSDALE, AZ 85260 | SYMETRA LIFE INSURANCE COMPANY | $58K | $0 | $58K | 10.00% |
| MGU OF THE WEST INS SVCS INC3 | 9245 LAGUNA SPRINGS DRIVE 320 ELK GROVE, CA 95758 | SYMETRA LIFE INSURANCE COMPANY | $29K | $17K | $46K | 7.84% |
| DANIEL D NELSON3 Filed as: DANIEL NELSON FINANCIAL GROUP | 8753 BELL ROAD SUITE 110 SCOTTSDALE, AZ 85260 | GUARDIAN | $7K | $2K | $10K | 4.41% |
| RUTH C KENTIGIAN INC3 | 22809 N 48TH PL PHOENIX, AZ 85054 | AFLAC | $9K | $90 | $9K | 11.13% |
| ELIZABETH CAROL VESELY3 | 27910 N 66TH LN PHOENIX, AZ 85083 | AFLAC | $2K | $18 | $2K | 1.97% |
| RYAN KADAVY3 Filed as: RYAN L KADAVY | 8542 W FOOTHILL DR PEORIA, AZ 85383 | AFLAC | $1K | $18 | $1K | 1.27% |
| CLAUDIA L FELDMAN3 | 9037 F CASITAS DEL RIO DR SCOTTSDALE, AZ 85255 | AFLAC | $680 | $0 | $680 | 0.81% |
| ELIZABETH CAROL VESELY3 | 6000 N 31ST AVE STE C107 PHOENIX, AZ 58051 | AFLAC | $604 | $0 | $604 | 0.72% |
| SHAWN HOLTORF3 | 6234 WEST DEHREND DR APT 1135 GLENDALE, AZ 85308 | AFLAC | $432 | $0 | $432 | 0.51% |
| TREVOR G NORENBERG3 | 10000 N 31ST AVE PHOENIX, AZ 85051 | AFLAC | $285 | $0 | $285 | 0.34% |
| CARLOS A CUBILLO3 | 7813 S 6TH DRIVE PHOENIX, AZ 85041 | AFLAC | $282 | $0 | $282 | 0.34% |
| JEFFREY A KLEINMAN SR3 Filed as: JEFFREY AARON KLEINMAN SR | 3420 E SHEA BLVD STE 168 PHOENIX, AZ 85028 | AFLAC | $270 | $0 | $270 | 0.32% |
| JEFFERY S GIBSON3 | 14301 N 87TH ST STE 313 SCOTTSDALE, AZ 85260 | AFLAC | $195 | $0 | $195 | 0.23% |
| SCOTT WEBB3 | 2155 W PINNACLE PEAK RD STE 205 PHOENIX, AZ 85027 | AFLAC | $167 | $0 | $167 | 0.20% |
| CHRISTINE A HAUK3 | 2100 S COTTONWOOD DR TEMPE, AZ 85282 | AFLAC | $98 | $0 | $98 | 0.12% |
| LADONNA L FORD3 | 19068 W VAL VISTA BLVD CASA GRANDE, AZ 85122 | AFLAC | $50 | $0 | $50 | 0.06% |
| MARVIN MORTENSON3 | 414 LOWER RANCH DRIVE NEW MEADOWS, ID 83654 | AFLAC | $39 | $0 | $39 | 0.05% |
| PAUL R JEFFRIES3 | 3519 RIVER DRIVE SOUTH FARGO, ND 58104 | AFLAC | $30 | $0 | $30 | 0.04% |
| BARBARA ANN MCNAUGHTON3 | 10000 N 31ST AVE STE C107 PHOENIX, AZ 85051 | AFLAC | $22 | $0 | $22 | 0.03% |
| PREFERRED MARKETING CORP3 | 1194 E LAKEVIEW DRIVE SAN TAN VALLEY, AZ 85143 | AFLAC | $19 | — | $19 | 0.02% |
| LEE C DERUM3 | 13601 S 44TH STREET APT 2107 PHOENIX, AZ 85044 | AFLAC | $17 | $0 | $17 | 0.02% |
| MICHAEL J MCNAUGHTON3 | 29622 N 21ST DRIVE PHOENIX, AZ 85085 | AFLAC | $16 | $0 | $16 | 0.02% |
| LAURIE JO ANDERTON3 | 847 E INCA ST MESA, AZ 85203 | AFLAC | $16 | $0 | $16 | 0.02% |
| NATALIE MALHAM3 | 5642 E EDGEMONT AVE SCOTTSDALE, AZ 85257 | AFLAC | $16 | $0 | $16 | 0.02% |
| MARTIN MCCAIN3 | 19731 SWEETGUM FOREST DR HUMBLE, TX 77346 | AFLAC | $12 | $0 | $12 | 0.01% |
| MERLE DALE HALL3 | 950 W BANNOCK ST STE 1100 BOISE, ID 83702 | AFLAC | $11 | $0 | $11 | 0.01% |
| KRISTI KIM GOODELL3 | 10017 E MOUNTAIN VIEW RD UNIT 1074 SCOTTSDALE, AZ 85258 | AFLAC | $11 | $0 | $11 | 0.01% |
| J M ELLWOOD3 | 8220 E SAN MIGUEL AVE SCOTTSDALE, AZ 85250 | AFLAC | $10 | $0 | $10 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | 16220 N SCOTTSDALE RD STE 600 SCOTTSDALE, AZ 85254 | AFLAC | $8 | $0 | $8 | 0.01% |
| CHAD P SCHNEIDER3 | 14430 BENEFIT ST APT 308 SHERMAN OAKS, CA 91423 | AFLAC | $7 | $0 | $7 | 0.01% |
| JEFFREY A KLEINMAN SR3 | 3420 E SHEA BLVD STE 168 PHOENIX, AZ 85028 | AFLAC | $6 | $0 | $6 | 0.01% |
| JOHN A DONALDSON3 | 800 ROCKMEAD DR STE 208 KINGWOOD, TX 77339 | AFLAC | $5 | $0 | $5 | 0.01% |
| MICHAEL G GLADNICK3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $4 | $0 | $4 | 0.00% |
| NATALIE MALHAM3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $4 | $0 | $4 | 0.00% |
| TIMOTHY MARTIN3 Filed as: TIMOTHY I MARTIN | 20516 N 80TH LN PEORIA, AZ 85382 | AFLAC | $4 | $0 | $4 | 0.00% |
| MICHAEL G RYAN3 | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $3 | $0 | $3 | 0.00% |
| NICOLE E BRINDLE3 | 3933 E ROSEMONTE DR PHOENIX, AZ 85050 | AFLAC | $3 | $0 | $3 | 0.00% |
| DONALD GREEN3 Filed as: DONALD A GREEN | 1611 W PLACITA GARBO GREEN VALLEY, AZ 85622 | AFLAC | $2 | $0 | $2 | 0.00% |
| J A FERGUSON AND ASSOC INC3 Filed as: J A FERGUSON & ASSOC. INC | 14301 N 87TH ST STE 319 SCOTTSDALE, AZ 85260 | AFLAC | $2 | $0 | $2 | 0.00% |
| GREGORY F STENZEL3 | 2302 KNOX WAY MELISSA, TX 75454 | AFLAC | $1 | $0 | $1 | 0.00% |
| WILLIAM J SHARP3 | 17836 N 43RD WAY PHOENIX, AZ 85032 | AFLAC | $1 | $0 | $1 | 0.00% |
| LAUREL L HARLOW3 | 3755 NORTH BUSINESS CENTRE DR STE 4 TUCSON, AZ 85705 | AFLAC | $0 | $0 | $0 | 0.00% |
| LINDA J DOSS3 | 6556 S VAN BUREN AVE TUCSON, AZ 85756 | AFLAC | $0 | $0 | $0 | 0.00% |
| JULIA ANN COAST3 | 1409 E MALIBU DR TEPE, AZ 85282 | AFLAC | $0 | $0 | $0 | 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 | $8K | — | $8K | 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 | $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 | $641 | — | $641 | 15.40% |
| JON P. VELTRI4 | 23296 TULIP CT CORONA, CA 92883 | PRE-PAID LEGAL SERVICES, INC | $6 | — | $6 | 0.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MMSI, INC. EIN 41-1547003 NONE | Claims processing Service code 12 | 4001 41ST ST NW ROCHESTER, MN 559018901 | $167K |
| BLUE CROSS BLUE SHIELD OF AZ EIN 86-0004538 ADMINISTRATOR | Contract Administrator Service code 13 | — | $69K |
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 | 448 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 144 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 595 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 319 | $218K |
| Vision | GUARDIAN | 319 | $218K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 549 | $19K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 405 | $77K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 320 | $582K |
| Other(4 contracts, 3 carriers) | AFLAC | 549 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 549 | — |
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.