| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JP GRIFFIN COMPANIES LLC3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | UNITEDHEALTHCARE INSURANCE COMPANY | $54K | $1K | $55K | 4.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS, INC. | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 11.93% |
| JEFFREY P. GRIFFIN3 | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $604 | $777 | $1K | 7.03% |
| JP GRIFFIN COMPANIES LLC3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS, INC. | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 8.05% |
| JEFFREY P. GRIFFIN3 | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $286 | $604 | $890 | 6.07% |
| JEFFREY P. GRIFFIN3 | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $131 | $555 | $686 | 4.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS, INC. | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $596 | — | $596 | 4.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS, INC. | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 11.75% |
| JEFFREY P. GRIFFIN3 | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $425 | $605 | $1K | 7.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS, INC. | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 12.02% |
| JEFFREY P. GRIFFIN3 | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $303 | $466 | $769 | 7.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS, INC. | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $375 | — | $375 | 7.98% |
| JEFFREY P. GRIFFIN3 | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $95 | $205 | $300 | 6.38% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $1.1M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 123 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $24K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 57 | $15K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 41 | $15K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $1.1M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.
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.