| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE RD., STE 310 SCOTTSDALE, AZ 85253 | BLUE CROSS BLUE SHIELD OF ARIZONA | $29K | — | $29K | 21.18% |
| JP GRIFFIN COMPANIES LLC3 | 6720 N. SCOTTSDALE RD., SUITE 230 SCOTTSDALE, AZ 85253 | AXIS INSURANCE COMPANY | $10K | — | $10K | 11.15% |
| JP GRIFFIN COMPANIES LLC3 | 6720 N. SCOTTSDALE RD., SUITE 230 SCOTTSDALE, AZ 85253 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.80% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN COMPANIES | 6720 N. SCOTTSDALE ROAD, SUITE 230 PARADISE VALLEY, AZ 85253 | TOTAL DENTAL ADMINISTRATORS HEALTH PLAN, INC. | $2K | — | $2K | 6.00% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN COMPANIES, LLC | 6720 N. SCOTTSDALE RD., SUITE 230 SCOTTSDALE, AZ 85253 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 11.50% |
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 | 73 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 77 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 57 | $228K |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 165 | $76K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 165 | $42K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 63 | $11K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 63 | $11K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 57 | $228K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 57 | $136K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 63 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.