| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JP GRIFFIN COMPANIES LLC3 | 6720 N SCOTTSDALE RD SUITE 230 SCOTTSDALE, AZ 85253 | AETNA LIFE INSURANCE CO. | $100K | — | $100K | 10.52% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE ROAD SUITE 230 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $51K | — | $51K | 10.00% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE ROAD SUITE 230 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $34K | — | $34K | 10.00% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE ROAD SUITE 230 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | — | $28K | 10.00% |
| JEFFREY GRIFFIN3 | 14354 N. FRANK LLOYD WRIGHT BLVD. SUITE 4 SCOTTSDALE, AZ 85260 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $4K | — | $4K | 1.95% |
| JEFFREY GRIFFIN3 | 6720 N. SCOTTSDALE ROAD SUITE 230 PARADISE VALLEY, AZ 852534403 | VISION SERVICE PLAN | $19K | — | $19K | 10.00% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE ROAD SUITE 230 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| JEFFREY GRIFFIN3 | 6720 N SCOTTSDALE RD STE 230 SCOTTSDALE, AZ 85253 | FIRST UNUM LIFE INSURANCE COMPANY | $623 | $31 | $654 | 15.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 CONTRACT ADMINISTRATOR | Non-monetary compensation; Float revenue; Claims processing; Other services; Contract Administrator; Direct payment from the plan; Participant communication; Named fiduciary Service code 12 | — | $609K |
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 | 1,031 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,038 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KEYSTONE HEALTH PLAN EAST | 8 | $96K |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,388 | $1.2M |
| Vision(2 contracts, 2 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 1,650 | $404K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,629 | $513K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,176 | $275K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 12 | $209K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,629 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,388 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.