| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN COMPANIES, LLC | 6720 N. SCOTTSDALE ROAD SUITE 310 SCOTTSDALE, AZ 85253 | DELTA DENTAL OF NEW JERSEY, INC. | $100K | — | $100K | 11.71% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE ROAD SUITE 310 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $41K | — | $41K | 9.98% |
| JEFFREY GRIFFIN3 | 14354 N. FRANK LLOYD WRIGH SCOTTSDALE, AZ 85260 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $4K | — | $4K | 1.51% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE ROAD SUITE 310 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | — | $27K | 10.00% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE ROAD SUITE 310 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 10.00% |
| JP GRIFFIN COMPANIES LLC3 | 6720 N. SCOTTSDALE RD SUITE 310 SCOTTSDALE, AZ 852534473 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $118 | $17K | 10.00% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE ROAD SUITE 310 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.00% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE ROAD SUITE 310 SCOTTSDALE, AZ 85253 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 8.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $442K |
| HUB INTERNATIONAL INSURANCE SVCS IN NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | 6720 NO. SCOTTSDALE RD. SCOTTSDALE, AZ 85260 | $37K |
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 | 901 | 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) | 906 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KEYSTONE HEALTH PLAN EAST | 4 | $108K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 1,621 | $857K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,240 | $165K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,516 | $411K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,351 | $267K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 966 | $245K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 21 | $269K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,422 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,516 | — |
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.