| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 6565 AMERICAS PKWY NE STE 720 ALBUQUERQUE, NM 87110 | BLUE CROSS BLUE SHIELD OF ARIZONA | $21K | — | $21K | 12.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 6565 AMERICAS PKWY NE STE 720 ALBUQUERQUE, NM 87110 | AXIS INSURANCE COMPANY | $7K | — | $7K | 9.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 8777 N GAINEY CENTER DR STE 100 SCOTTSDALE, AZ 85258 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN COMPANIES 828 | 8777 N GAINEY CENTER DR STE 100 SCOTTSDALE, AZ 85258 | TOTAL DENTAL ADMINISTRATORS HEALTH PLAN, INC. | $2K | — | $2K | 5.93% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN COMPANIES, LLC | 6720 N. SCOTTSDALE RD., SUITE 230 SCOTTSDALE, AZ 85253 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 30.00% |
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 | 143 | 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) | 144 | 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 | 160 | $236K |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 287 | $75K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 287 | $46K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 37 | $11K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 37 | $11K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 160 | $236K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 160 | $167K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 37 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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.