| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PERFORMANCE INSURANCE BENEFITS3 | 20827 N. CAVE CREEK RD., SUITE 102 PHOENIX, AZ 85024 | UNITED HEALTHCARE INSURANCE COMPANY | $1 | $36K | $36K | 2.12% |
| JP GRIFFIN COMPANIES LLC3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | UNITED HEALTHCARE INSURANCE COMPANY | — | $27K | $27K | 1.60% |
| PARAGON PARTNERS LTD3 | 9420 E. DOUBLETREE RANCH ROAD, SUITE C-103 SCOTTSDALE, AZ 85258 | UNITED HEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 1.18% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 2.24% |
| PERFORMANCE INSURANCE BENEFITS3 | 20827 N. CAVE CREEK RD., SUITE 102 PHOENIX, AZ 85024 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 4.98% |
| JP GRIFFIN COMPANIES LLC3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 3.64% |
| PERFORMANCE INSURANCE BENEFITS3 | 20827 N. CAVE CREEK RD., SUITE 102 PHOENIX, AZ 85024 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | — | $5K | 39.22% |
| PARAGON PARTNERS LTD3 | 9420 E. DOUBLETREE RANCH ROAD, SUITE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $992 | — | $992 | 8.33% |
| JP GRIFFIN COMPANIES LLC3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | TRANSAMERICA LIFE INSURANCE COMPANY | $111 | — | $111 | 0.93% |
| PERFORMANCE INSURANCE BENEFITS4 | 20827 N. CAVE CREEK RD., SUITE 102 PHOENIX, AZ 85024 | PRE-PAID LEGAL SERVICES, INC. (LEGALSHIELD) | $435 | — | $435 | 12.81% |
| RHONA S UNSELL INC4 Filed as: RHONA S. UNSELL INC. | 6525 GUNPARK DRIVE BOULDER, CO 80301 | PRE-PAID LEGAL SERVICES, INC. (LEGALSHIELD) | $62 | — | $62 | 1.83% |
| JP GRIFFIN COMPANIES LLC4 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | PRE-PAID LEGAL SERVICES, INC. (LEGALSHIELD) | $12 | — | $12 | 0.35% |
| PERFORMANCE INSURANCE BENEFITS3 | 20827 N. CAVE CREEK RD., SUITE 102 PHOENIX, AZ 85024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $150 | — | $150 | 15.00% |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 162 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 177 | $205K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 177 | $205K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 212 | $100K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 212 | $100K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 212 | $100K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 162 | $1.7M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 212 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.