| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY GRIFFIN | 6720 N SCOTTSDALE RD STE 230 SCOTTSDALE, AZ 85253 | BLUE CROSS BLUE SHIELD OF AZ | $2K | $41K | $42K | 5.90% |
| JP GRIFFIN COMPANIES LLC4 | 6720 N SCOTTSDALE RD STE 230 SCOTTSDALE, AZ 85253 | METROPOLITAN LIFE | $16K | $152 | $16K | 3.05% |
| JEFFREY GRIFFIN3 | 14354 N FRANK LLOYD WRIGHT B STE 4 SCOTTSDALE, AZ 85260 | THE STANDARD INSURANCE COMPANY | $41K | $0 | $41K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | THE STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| JEFFREY GRIFFIN4 | 14354 N FRANK LLOYD WRIGHT B STE 4 SCOTTSDALE, LA 85260 | THE STANDARD INSURANCE COMPANY | $20K | $0 | $20K | 13.74% |
| JEFFREY GRIFFIN4 | 14354 N FRANK LLOYD WRIGHT B STE 4 SCOTTSDALE, AZ 85260 | THE STANDARD INSURANCE COMPANY | $23K | $0 | $23K | 19.99% |
| JP GRIFFIN COMPANIES LLC4 | 6720 N SCOTTSDALE RD STE 230 SCOTTSDALE, LA 85253 | AMERITAS | — | $376 | $376 | 0.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF AZ EIN 86-0004538 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | 6720 N. SCOTTSDALE RD. STE. 230 SCOTTSDALE, AZ 85253 | $717K |
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 | 1,986 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,986 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF AZ | 1,067 | $721K |
| Dental | METROPOLITAN LIFE | 1,986 | $539K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF AZ | 1,067 | $797K |
| Life insurance | THE STANDARD INSURANCE COMPANY | 1,249 | $272K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 1,249 | $145K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF AZ | 1,067 | $721K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF AZ | 1,067 | $721K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,986 | — |
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.