| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JP GRIFFIN COMPANIES LLC3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | $79K | $91K | 3.61% |
| PARAGON PARTNERS LTD3 | 9420 E. DOUBLETREE RANCH ROAD, SUITE C-103 SCOTTSDALE, AZ 85258 | UNITED HEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 1.27% |
| PERFORMANCE INSURANCE BENEFITS3 | 20827 N. CAVE CREEK RD., SUITE 102 PHOENIX, AZ 85024 | UNITED HEALTHCARE INSURANCE COMPANY | — | -$49 | -$49 | -0.00% |
| JP GRIFFIN COMPANIES LLC3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 8.03% |
| JP GRIFFIN COMPANIES LLC3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 24.42% |
| PERFORMANCE INSURANCE BENEFITS3 | 20827 N. CAVE CREEK RD., SUITE 102 PHOENIX, AZ 85024 | TRANSAMERICA LIFE INSURANCE COMPANY | $505 | — | $505 | 3.34% |
| PARAGON PARTNERS LTD3 | 9420 E. DOUBLETREE RANCH ROAD, SUITE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $192 | — | $192 | 1.27% |
| CASSANDRA L PRINKE4 | 25825 N MOON BLOSSUM LN PHOENIX, AZ 85083 | PRE-PAID LEGAL SERVICES, INC. (LEGALSHIELD) | $430 | — | $430 | 11.91% |
| PERFORMANCE INSURANCE BENEFITS4 | 20827 N. CAVE CREEK RD., SUITE 102 PHOENIX, AZ 85024 | PRE-PAID LEGAL SERVICES, INC. (LEGALSHIELD) | $288 | — | $288 | 7.98% |
| JP GRIFFIN COMPANIES LLC4 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | PRE-PAID LEGAL SERVICES, INC. (LEGALSHIELD) | $124 | — | $124 | 3.44% |
| RHONA S UNSELL INC4 Filed as: RHONA S. UNSELL INC. | 6525 GUNPARK DRIVE BOULDER, CO 80301 | PRE-PAID LEGAL SERVICES, INC. (LEGALSHIELD) | $35 | — | $35 | 0.97% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE ROAD SUITE 230 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $405 | — | $405 | 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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 513 | $2.5M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 513 | $2.5M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 513 | $2.5M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 241 | $117K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 241 | $117K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 241 | $117K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 513 | $2.5M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 241 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.