| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFITS INTERNATIONAL3 | 2525 E. ARIZONA BILTMORE CIRCLE SUITE D-144 PHOENIX, AZ 85016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $782 | $5K | 7.76% |
| JP GRIFFIN COMPANIES LLC3 | 14354 N. FRANK LLOYD WRIGHT BLVD. SUITE 4 SCOTTSDALE, AZ 95260 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.31% |
| EMPLOYEE BENEFITS INTERNATIONAL3 | 2525 E. ARIZONA BILTMORE CIRCLE SUITE D-144 PHOENIX, AZ 85016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.81% |
| JEFFREY P. GRIFFIN3 | 6720 N. SCOTTSDALE ROAD, SUITE 230 SCOTTSDALE, AZ 85253 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $815 | $41 | $856 | 5.44% |
| EMPLOYEE BENEFITS INTERNATIONAL3 | 2525 E. ARIZONA BILTMORE CIRCLE SUITE D-144 PHOENIX, AZ 85016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $613 | — | $613 | 9.67% |
| JEFFREY P. GRIFFIN3 | 6720 N. SCOTTSDALE ROAD, SUITE 230 SCOTTSDALE, AZ 85253 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $338 | $17 | $355 | 5.60% |
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 | 251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $71K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $71K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $22K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $16K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.