| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JP GRIFFIN COMPANIES LLC3 | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | RELIASTAR LIFE INS CO (VOYA) | $128K | $0 | $128K | 17.47% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN COPMPANIES LLC | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | BLUE CROSS BLUE SHIELD OF AZ | $0 | $0 | $0 | 0.00% |
| JP GRIFFIN COMPANIES LLC3 | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | DELTA DENTAL OF AZ | $0 | $0 | $0 | 0.00% |
| JP GRIFFIN COMPANIES LLC | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 852534473 | METROPOLITAN LIFE | $0 | $43 | $43 | 0.05% |
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 | 1,662 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,662 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF AZ | 1,027 | $606K |
| Dental | DELTA DENTAL OF AZ | 1,025 | $531K |
| Vision | METROPOLITAN LIFE | 1,662 | $86K |
| Life insurance | RELIASTAR LIFE INS CO (VOYA) | 1,405 | $734K |
| Long-term disability | RELIASTAR LIFE INS CO (VOYA) | 1,405 | $734K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF AZ | 1,027 | $606K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF AZ | 1,027 | $606K |
| Other | RELIASTAR LIFE INS CO (VOYA) | 1,405 | $734K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,662 | — |
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.