Just to not leave everyone hanging on this, here is the outcome:
Got the new router. Restored from backup the configuration file. Switched the interfaces as the SG-5100 is slightly different then the 4860. Plugged everything in and everything seemed to work. That is till 9 am the next work day. Same problem different router, however when it switched to the backup WAN it seemed to connect for a minute or less then it too failed. Rebooted the 5100 and we were back in business on the the main WAN. The backup WAN was connected also. That is until 9 am the next day. Same thing.
Some time that day the backup WAN stopped working. Could not get it to work. However the next day at 9 am the main wan did not fail with the cell modem off. Same thing the next day. Without the cell modem no 9 am anomaly.
However no back up wan. Over the course of several days I continued to trouble shoot the cell modem. Multiple settings changes, factory resets, every suggestion I could find on the net about this specific modem. However the modem would work just fine plugged directly into a laptop. It worked in router mode as well as bridge mode always on the laptop. I could set it up on the laptop, leave it powered up and quickly plug it into the 5100 and there would be an ethernet connection but would never get an IP. The 5100 would not communicate with the modem no mater what I did.
One night at home I thought what if the router had a hardware port problem? Not normal for a new device but possible. Also unusual that it would be the same port that I happened to have the modem connected. So the next morning I logged into the pfsense gui and switched WAN_CELL interface from ix0 to ix2 and plugged the cell modem into ix2. Power up the cell modem and when it finished booting it connected and I had my backup wan again.
Netgate support said I should hook up a laptop to ix0, do some changes to the pfsense settings and see if that port can connect to the laptop. Guess what - it would not connect. To triple check I did the same changes to ix1 and plugged the laptop in and it immediately connected.
On top of that with a working port and cell modem the 9am anomaly has not occurred again.
So I now have an RMA to send the brand new 5100 back. And our repaired 4860 is on it's way back to us.
P.S. During this adventure I discovered an anomaly with some settings when you switch interfaces. In System, Routing Gateways, Edit, WAN_CELL, Advanced the Probe Interval and the Alert Intervals switch back to the default values. I would think that they should stay as set to the gateway name.
Anyway we are back up for now. I will let you know if anything changes.