| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | PO BOX 2158 RIVERSIDE, CA 92516 | DELTA DENTAL OF ARIZONA | $115K | — | $115K | 6.74% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN COMPANIES, LLC | 6720 N. SCOTTSDALE ROAD, SUITE 230 SCOTTSDALE, AZ 85253 | DELTA DENTAL OF ARIZONA | $71K | — | $71K | 4.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $51K | — | $51K | 19.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $47K | — | $47K | 19.00% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN COMPANIES, LLC | 6720 N. SCOTTSDALE ROAD, SUITE 230 SCOTTSDALE, AZ 85253 | METROPOLITAN LIFE INSURANCE COMPANY (SUPERIOR VISION PLAN) | $19K | — | $19K | 9.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | — | $19K | 19.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | — | $17K | 19.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 19.00% |
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 | 3,220 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARIZONA | 5,380 | $1.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY (SUPERIOR VISION PLAN) | 5,250 | $193K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,220 | $267K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,097 | $246K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,021 | $192K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,220 | $285K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,380 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.