| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY P. GRIFFIN3 Filed as: JEFFREY P GRIFFIN | 6720 N SCOTTSDALE ROAD SUITE 310 SCOTTSDALE, AZ 85253 | BLUE CROSS BLUE SHIELD OF ARIZONA | $51K | $40K | $91K | 2.32% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUE CROSS BLUE SHIELD OF ARIZONA | $44K | — | $44K | 1.12% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STARMOUNT LIFE INSURANCE COMPANY | $22K | $6K | $28K | 6.47% |
| JEFFREY P. GRIFFIN3 Filed as: JEFFREY P GRIFFIN | 6720 N SCOTTSDALE ROAD SUITE 310 SCOTTSDALE, AZ 85253 | STARMOUNT LIFE INSURANCE COMPANY | $13K | $3K | $16K | 3.71% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $4K | $19K | 6.04% |
| JEFFREY P. GRIFFIN3 Filed as: JEFFREY P GRIFFIN | 6720 N SCOTTSDALE ROAD SUITE 310 SCOTTSDALE, AZ 85253 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $3K | $13K | 4.15% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $6K | 6.08% |
| JEFFREY P. GRIFFIN3 Filed as: JEFFREY P GRIFFIN | 6720 N SCOTTSDALE ROAD SUITE 310 SCOTTSDALE, AZ 85253 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $766 | $4K | 4.11% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM INSURANCE COMPANY | $2K | $613 | $3K | 5.53% |
| JEFFREY P. GRIFFIN3 Filed as: JEFFREY P GRIFFIN | 6720 N SCOTTSDALE ROAD SUITE 310 SCOTTSDALE, AZ 85253 | UNUM INSURANCE COMPANY | $2K | $458 | $2K | 4.64% |
| JEFFREY P. GRIFFIN3 Filed as: JEFFREY P GRIFFIN | 6720 N SCOTTSDALE ROAD SUITE 310 SCOTTSDALE, AZ 85253 | UNUM INSURANCE COMPANY | $3K | $2K | $5K | 10.14% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM INSURANCE COMPANY | $105 | $33 | $138 | 0.29% |
| JEFFREY P. GRIFFIN3 Filed as: JEFFREY P GRIFFIN | 6720 N SCOTTSDALE ROAD SUITE 310 SCOTTSDALE, AZ 85253 | UNUM INSURANCE COMPANY | $2K | $1K | $3K | 9.92% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM INSURANCE COMPANY | $104 | $32 | $136 | 0.39% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN COMPANIES | 6720 N SCOTTSDALE ROAD SUITE 310 SCOTTSDALE, AZ 85253 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 13.71% |
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 | 767 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 773 | 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 | 1,961 | $3.9M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 699 | $437K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 699 | $437K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 575 | $405K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 575 | $312K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 575 | $312K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 1,961 | $3.9M |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 575 | $515K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,961 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.