| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY GRIFFIN3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | BLUE CROSS BLUE SHIELD OF ARIZONA | $96K | — | $96K | 5.20% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N. SCOTTSDALE ROAD, SUITE 230 PARADISE VALLEY, AZ 85253 | PREMIER ACCESS INSURANCE COMPANY | $7K | — | $7K | 9.64% |
| JEFFREY P. GRIFFIN3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 19.66% |
| JEFFREY P. GRIFFIN3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 20.92% |
| JEFFREY P. GRIFFIN3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 19.61% |
| JP GRIFFIN COMPANIES LLC3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | MEMD | $977 | — | $977 | 6.13% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N. SCOTTSDALE ROAD, SUITE 230 PARADISE VALLEY, AZ 85253 | PREMIER ACCESS INSURANCE COMPANY | $1K | — | $1K | 9.74% |
| JEFFREY P. GRIFFIN3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $505 | $2K | 19.28% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 196 | $1.8M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 201 | $68K |
| Vision | PREMIER ACCESS INSURANCE COMPANY | 184 | $15K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 263 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $35K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 196 | $1.8M |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 263 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.