| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFERY GRIFFIN3 Filed as: JEFFERY P GRIFFIN COMPANIES LLC | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | BLUE CROSS BLUE SHIELD OF AZ | — | $696K | $696K | 97.19% |
| JEFFERY GRIFFIN3 Filed as: JEFFERY P GRIFFIN COMPANIES LLC | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | BLUE CROSS BLUE SHIELD OF AZ | — | $12K | $12K | 1.66% |
| JEFFERY GRIFFIN Filed as: JEFFERY P GRIFFIN COMPANIES LLC | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | UNUM LIFE INSURANCE CO OF AM (522) | $81K | $10K | $91K | 16.77% |
| JEFFERY GRIFFIN Filed as: JEFFERY P GRIFFIN COMPANIES LLC | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | UNUM INSURANCE COMPANY (525) | $21K | $2K | $23K | 21.61% |
| JEFFERY GRIFFIN Filed as: JEFFERY P GRIFFIN COMPANIES LLC | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | UNUM INSURANCE CO (524) | $19K | $2K | $21K | 21.63% |
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 | 1,969 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,969 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF AZ | 1,969 | $716K |
| Dental | STARMOUNT LIFE INS CO (523) | 1,235 | $672K |
| Vision | STARMOUNT LIFE INS CO (523) | 1,235 | $672K |
| Life insurance | UNUM LIFE INSURANCE CO OF AM (522) | 1,482 | $540K |
| Long-term disability | UNUM LIFE INSURANCE CO OF AM (522) | 1,482 | $540K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF AZ | 1,969 | $716K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF AZ | 1,969 | $716K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE CO OF AM (522) | 1,482 | $741K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,969 | — |
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.