| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JP GRIFFIN COMPANIES LLC3 | 6720 NORTH SCOTTSDALE ROAD SUITE 310 SCOTTSDALE, AZ 852534473 | AMERITAS LIFE INSURANCE CORPORATION | $3K | $1K | $4K | 5.95% |
| JP GRIFFIN COMPANIES LLC3 | 6720 NORTH SCOTTSDALE ROAD SCOTTSDALE, AZ 85253 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $739 | $4K | 17.98% |
| JP GRIFFIN COMPANIES LLC3 | 6720 NORTH SCOTTSDALE ROAD SCOTTSDALE, AZ 85253 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $441 | $2K | 18.32% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN COMPANIES, LLC | 6720 SCOTTSDALE ROAD SUITE 230 PARADISE VALLEY, AZ 852534403 | UNITEDHEALTHCARE INSURANCE COMPANY | $620 | — | $620 | 9.78% |
| JP GRIFFIN COMPANIES LLC3 | 6720 NORTH SCOTTSDALE ROAD SCOTTSDALE, AZ 85253 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $908 | $180 | $1K | 17.98% |
| JP GRIFFIN COMPANIES LLC3 | 6720 NORTH SCOTTSDALE ROAD SCOTTSDALE, AZ 85253 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $578 | $114 | $692 | 17.96% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 312 | $73K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 312 | $73K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 229 | $10K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 53 | $25K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 41 | $13K |
| Other(3 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 229 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.