| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFERY GRIFFIN3 | 6720 N SCOTTSDALE RD., STE. 310 SCOTTSDALE, AZ 85253 | BLUE CROSS BLUE SHIELD OF ARIZONA | $64K | — | $64K | 2.85% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE RD., STE. 230 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 2555 E CAMELBACK ROAD STE 700 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $679 | $679 | 0.61% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE RD., STE. 230 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 2555 E CAMELBACK ROAD STE 700 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $299 | $299 | 0.61% |
| JEFFERY GRIFFIN3 | 6720 N SCOTTSDALE RD., STE. 310 SCOTTSDALE, AZ 85253 | EMPLOYERS DENTAL SERVICES | $2K | — | $2K | 5.98% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE RD., STE. 310 SCOTTSDALE, AZ 85253 | SUN LIFE ASSURANCE COMPANY OF CANADA | $692 | — | $692 | 6.94% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE RD., STE. 230 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.01% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SERVICES | 2555 E CAMELBACK ROAD STE 700 PHOENIX, AZ 85016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $45 | $45 | 0.62% |
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 | 546 | 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. |
| Total participants (= "Plan participants" tile) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 370 | $2.2M |
| Dental(2 contracts, 2 carriers) | EMPLOYERS DENTAL SERVICES | 142 | $41K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 546 | $112K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 546 | $49K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 370 | $2.2M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 546 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.