| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY P. GRIFFIN3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $1K | $18K | 10.70% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN COMPANIES, LLC | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 17.72% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $3K | — | $3K | 9.21% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN COMPANIES, LLC | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $726 | $5K | 18.05% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN COMPANIES, LLC | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $571 | $4K | 17.72% |
| JEFFREY P. GRIFFIN3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $197 | $2K | 16.32% |
| VARIOUS - SEE ATTACHED3 | C/O COLONIAL LIFE AND ACCIDENT P.O. BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $406 | $4K | 33.54% |
| JEFFREY P. GRIFFIN3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $142 | $2K | 16.34% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN COMPANIES, LLC | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $911 | $169 | $1K | 17.78% |
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 | 269 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 270 | $169K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 454 | $28K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 269 | $62K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 269 | $21K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 68 | $27K |
| Other(5 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 269 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.