| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N. SCOTTSDALE ROAD SUITE 310 SCOTTSDALE, AZ 85253 | DELTA DENTAL OF NEW JERSEY, INC. | $76K | — | $76K | 9.67% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE ROAD SUITE 230 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | — | $37K | 9.96% |
| 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% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE ROAD SUITE 230 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 10.00% |
| JEFFREY GRIFFIN3 | 14354 N. FRANK LLOYD WRIGHT BLVD # 4 SCOTTSDALE, AZ 85260 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $3K | — | $3K | 1.40% |
| JP GRIFFIN COMPANIES LLC3 | 6720 N. SCOTTSDALE RD SUITE 310 SCOTTSDALE, AZ 852534473 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $201 | $17K | 11.06% |
| JEFFREY P. GRIFFIN3 | 6720 N SCOTTSDALE RD STE 230 SCOTTSDALE, AZ 85253 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $55 | $1K | 12.15% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE ROAD SUITE 230 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $951 | — | $951 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator Service code 13 | — | $536K |
| JEFFREY P. GRIFFIN INSURANCE AGENTS/BROKERS | Direct payment from the plan; Insurance agents and brokers Service code 22 | 6720 NO. SCOTTSDALE RD. SCOTTSDALE, AZ 85260 | $35K |
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 | 834 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 841 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KEYSTONE HEALTH PLAN EAST | 7 | $112K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 1,587 | $783K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,061 | $156K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,160 | $372K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,308 | $280K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 915 | $225K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 10 | $195K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,332 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,160 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.