| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | DELTA DENTAL OF NEW JERSEY, INC. | $82K | — | $82K | 8.99% |
| 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. | $7K | — | $7K | 0.77% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE ROAD SUITE 310 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $58K | — | $58K | 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 | $36K | — | $36K | 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 | $35K | — | $35K | 10.00% |
| JEFFREY GRIFFIN3 | 14354 N. FRANK LLOYD WRIGH SCOTTSDALE, AZ 85260 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $3K | — | $3K | 1.47% |
| JP GRIFFIN COMPANIES LLC3 | 6720 N. SCOTTSDALE RD SUITE 310 SCOTTSDALE, AZ 852534473 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $18 | $19K | 10.71% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE ROAD SUITE 310 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 6270 N. SCOTTSDALE ROAD SUITE 230 SCOTTSDALE, AZ 85260 | ALPHA DENTAL PROGRAMS, INC. | $5K | — | $5K | 10.00% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N. SCOTTSDALE ROAD SUITE 310 SCOTTSDALE, AZ 85253 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 7.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $475K |
| HUB INTERNATIONAL INSURANCE SVCS IN NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | 6720 NO. SCOTTSDALE RD. STE 230 SCOTTSDALE, AZ 85260 | $33K |
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 | 932 | 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) | 939 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KEYSTONE HEALTH PLAN EAST | 4 | $76K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 1,654 | $955K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,267 | $176K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,156 | $579K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,390 | $362K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,016 | $346K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 25 | $226K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,448 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,267 | — |
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."
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.