| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANIEL D NELSON3 Filed as: DANIEL NELSON FINANCIAL GROUP | 8753 EAST BELL RD STE 110 SCOTTSDALE, AZ 85260 | SYMETRA LIFE INSURANCE COMPANY | $55K | — | $55K | 10.00% |
| MGU OF THE WEST INS SVCS INC3 | 9425 LAGUNA SPRINGS DR STE 320 ELK GROVE, CA 95758 | SYMETRA LIFE INSURANCE COMPANY | $27K | $19K | $47K | 8.53% |
| CSA GENERAL INS AGENCY INC3 Filed as: CSA GENERAL INS AGENCY | PO BOX 81049 PHOENIX, AZ 850691049 | SYMETRA LIFE INSURANCE COMPANY | — | $11K | $11K | 2.01% |
| DANIEL D NELSON3 Filed as: DANIEL NELSON FINANCIAL GROUP | 8753 BELL ROAD SUITE 110 SCOTTSDALE, AZ 85260 | GUARDIAN | $9K | — | $9K | 3.67% |
| DANIEL D NELSON3 Filed as: DANIEL NELSON FINANCIAL GROUP | 8753 EAST BELL RD STE 110 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| RUTH C KENTIGIAN INC3 | 20660 N 40TH ST UNIT 2166 PHOENIX, AZ 85050 | AFLAC | $6K | $94 | $6K | 9.18% |
| ELIZABETH CAROL VESELY3 | 27910 N 66TH LN PHOENIX, AZ 85083 | AFLAC | $1K | $10 | $1K | 1.84% |
| CLAUDIA L FELDMAN3 | 9037 F CASITAS DEL RIO DR SCOTTSDALE, AZ 85255 | AFLAC | $523 | — | $523 | 0.78% |
| ELIZABETH CAROL VESELY3 | 9214 W MARY ANN DR PEORIA, AZ 85382 | AFLAC | $467 | $8 | $475 | 0.70% |
| SHAWN HOLTORF3 | 5522 W NORTHWOOD DR GLENDALE, AZ 85310 | AFLAC | $319 | — | $319 | 0.47% |
| RYAN KADAVY3 Filed as: RYAN L KADAVY | 8542 W FOOTHILL DR PEORIA, AZ 85383 | AFLAC | $296 | $2 | $298 | 0.44% |
| ANTHONY J WHITBY3 | 264 N 153RD AVE GOODYEAR, AZ 85338 | AFLAC | $189 | — | $189 | 0.28% |
| BARBARA ANN MCNAUGHTON3 | 10000 N 31ST AVE STE C107 PHOENIX, AZ 85051 | AFLAC | $187 | — | $187 | 0.28% |
| BARBARA ANN MCNAUGHTON3 | 29622 N 21ST DRIVE PHOENIX, AZ 85085 | AFLAC | $175 | $5 | $180 | 0.27% |
| JEFFREY A KLEINMAN SR3 Filed as: JEFFREY AARON KLEINMAN SR | 3420 E SHEA BLVD STE 168 PHOENIX, AZ 85028 | AFLAC | $173 | — | $173 | 0.26% |
| JEFFERY S GIBSON3 | 4805 LAKE BROOK DR STE 220 GLEN ALLEN, VA 23060 | AFLAC | $147 | — | $147 | 0.22% |
| TREVOR G NORENBERG3 | 6529 SAHALEE CT RAPID CITY, SD 57702 | AFLAC | $114 | $12 | $126 | 0.19% |
| JAMI GONZALEZ3 | 1201 E EL CAMINO DR PHOENIX, AZ 85020 | AFLAC | $124 | — | $124 | 0.18% |
| SCOTT WEBB3 | 2155 W PINNACLE PEAK RD STE 205 PHOENIX, AZ 85027 | AFLAC | $106 | — | $106 | 0.16% |
| SCOTT W BLACKSHEAR3 Filed as: SCOTT M GUTHRIE | 14227 N 14TH ST PHOENIX, AZ 85022 | AFLAC | $82 | — | $82 | 0.12% |
| MARVIN MORTENSON3 | 414 LOWER RANCH DRIVE NEW MEADOWS, ID 83654 | AFLAC | $39 | — | $39 | 0.06% |
| PAUL R JEFFRIES3 | 3519 RIVER DRIVE SOUTH FARGO, ND 58104 | AFLAC | $31 | — | $31 | 0.05% |
| TREVOR G NORENBERG3 | 10000 N 31ST AVE STE C107 PHOENIX, AZ 85051 | AFLAC | $31 | — | $31 | 0.05% |
| LADONNA L FORD3 | 19068 W VAL VISTA BLVD CASA GRANDE, AZ 85122 | AFLAC | $23 | — | $23 | 0.03% |
| CHAD P SCHNEIDER3 | 360 W HUBBARD ST APT 1105 CHICAGO, IL 60654 | AFLAC | $20 | — | $20 | 0.03% |
| PREFERRED MARKETING CORP3 | 1194 E LAKEVIEW DRIVE SAN TAN VALLEY, AZ 85143 | AFLAC | $19 | — | $19 | 0.03% |
| SCOTT WEBB3 | 12366 W MILTON DR PEORIA, AZ 85383 | AFLAC | $19 | — | $19 | 0.03% |
| LEE C DERUM3 | 13601 S 44TH STREET APT 2107 PHOENIX, AZ 85044 | AFLAC | $17 | — | $17 | 0.03% |
| LAURIE JO ANDERTON3 | 847 E INCA ST MESA, AZ 85203 | AFLAC | $16 | — | $16 | 0.02% |
| NATALIE MALHAM3 | 5642 E EDGEMONT AVE SCOTTSDALE, AZ 85257 | AFLAC | $16 | — | $16 | 0.02% |
| JEFFREY A KLEINMAN SR3 | 3420 E SHEA BLVD STE 168 PHOENIX, AZ 85028 | AFLAC | $15 | — | $15 | 0.02% |
| MICHAEL J MCNAUGHTON3 | 29622 N 21ST DRIVE PHOENIX, AZ 85085 | AFLAC | $13 | — | $13 | 0.02% |
| MARTIN MCCAIN3 | 19731 SWEETGUM FOREST DR HUMBLE, TX 77346 | AFLAC | $12 | — | $12 | 0.02% |
| MERLE DALE HALL3 | 950 W BANNOCK ST STE 1100 BOISE, ID 83702 | AFLAC | $11 | — | $11 | 0.02% |
| TIMOTHY MARTIN3 Filed as: TIMOTHY I MARTIN | 20516 N 80TH LN PEORIA, AZ 85382 | AFLAC | $11 | — | $11 | 0.02% |
| KRISTI KIM GOODELL3 | 10017 E MOUNTAIN VIEW RD UNIT 1074 SCOTTSDALE, AZ 85258 | AFLAC | $9 | — | $9 | 0.01% |
| MICHAEL G GLADNICK3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $9 | — | $9 | 0.01% |
| NATALIE MALHAM3 | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | AFLAC | $9 | — | $9 | 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% |
| MICHAEL G RYAN3 | 836 HOOSIER PASS PRESCOTT, AZ 86301 | AFLAC | $7 | — | $7 | 0.01% |
| CARLOS A CUBILLO3 | 7813 S 6TH DRIVE PHOENIX, AZ 85041 | AFLAC | $4 | — | $4 | 0.01% |
| J M ELLWOOD3 | 8220 E SAN MIGUEL AVE SCOTTSDALE, AZ 85250 | AFLAC | $4 | — | $4 | 0.01% |
| JOHN A DONALDSON3 | 25211 GROGANS MILL RD STE 305 THE WOODLANDS, TX 77380 | AFLAC | $2 | — | $2 | 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 | 1249 KIOWA DR W GAINESVILLE, TX 76240 | AFLAC | $1 | — | $1 | 0.00% |
| DANIEL D NELSON3 Filed as: DANIEL NELSON FINANCIAL GROUP | 8753 EAST BELL RD STE 110 SCOTTSDALE, AZ 85260 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| DANIEL D NELSON3 Filed as: DANIEL NELSON FINANCIAL GROUP | 8753 EAST BELL RD STE 110 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 | $711 | — | $711 | 14.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MMSI, INC. EIN 41-1547003 NONE | Claims processing Service code 12 | 4001 41ST ST NW ROCHESTER, MN 559018901 | $166K |
| BLUE CROSS BLUE SHIELD OF AZ EIN 86-0004538 ADMINISTRATOR | Contract Administrator Service code 13 | — | $74K |
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 | 418 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 336 | $242K |
| Vision | GUARDIAN | 336 | $242K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 557 | $23K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 429 | $99K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 329 | $547K |
| Other(4 contracts, 3 carriers) | AFLAC | 557 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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.