| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFERY GRIFFIN3 | 6720 N. SCOTTSDALE RD SUITE 310 SCOTTSDALE, AZ 85253 | BLUE CROSS BLUE SHIELD OF ARIZONA | $86K | — | $86K | 18.53% |
| THOMAS ALLEN GIBSON3 | 16837 S 18TH WAY PHOENIX, AZ 85048 | BLUE CROSS BLUE SHIELD OF ARIZONA | $519 | — | $519 | 0.11% |
| JEFFERY GRIFFIN3 | 6720 N. SCOTTSDALE RD SUITE 230 SCOTTSDALE, AZ 85253 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $1K | $7K | 10.12% |
| THOMAS ALLEN GIBSON3 | 16837 S 18TH WAY PHOENIX, AZ 85048 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.56% |
| JEFFERY GRIFFIN3 | 6720 N. SCOTTSDALE RD SUITE 310 SCOTTSDALE, AZ 85253 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 12.65% |
| JEFFERY GRIFFIN3 | 6720 N. SCOTTSDALE RD SUITE 310 SCOTTSDALE, AZ 85253 | MONY LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 12.51% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF ARIZONA | 8220 NORTH 23RD AVE BLDG 2 PHOENIX, AZ 85021 | MONY LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 10.05% |
| THOMAS ALLEN GIBSON3 | 16837 S 18TH WAY PHOENIX, AZ 85048 | MONY LIFE INSURANCE COMPANY OF AMERICA | $990 | $0 | $990 | 2.49% |
| JEFFERY GRIFFIN3 | 6720 N. SCOTTSDALE RD SUITE 230 SCOTTSDALE, AZ 85253 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ARIZONA EIN 86-0004538 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 8220 NORTH 23RD AVENUE, BLDG 2 PHOENIX, AZ 85021 | $135K |
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 | 279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 185 | $467K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 176 | $70K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 185 | $485K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 279 | $40K |
| Short-term disability | STANDARD INSURANCE COMPANY | 108 | $53K |
| Long-term disability | STANDARD INSURANCE COMPANY | 108 | $53K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 185 | $467K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ARIZONA | 185 | $467K |
| Other | MONY LIFE INSURANCE COMPANY OF AMERICA | 279 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.