| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY PAUL GRIFFIN3 | 6720 N SCOTTSDALE RD., STE. 310 SCOTTSDALE, AZ 85253 | BLUE CROSS BLUE SHIELD OF ARIZONA | $63K | — | $63K | 3.46% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 11.73% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE RD STE 230 SCOTTDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 3.27% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 11.62% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE RD STE 230 SCOTTDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.38% |
| JEFFREY GRIFFIN3 | 6720 N SCOTTSDALE RD., STE. 310 SCOTTSDALE, AZ 85253 | EMPLOYERS DENTAL SERVICES | $2K | — | $2K | 6.00% |
| JP GRIFFIN COMPANIES LLC3 | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | SUN LIFE ASSURANCE COMPANY OF CANADA | $751 | — | $751 | 6.43% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.61% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE RD STE 230 SCOTTDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $308 | — | $308 | 3.39% |
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 | 574 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 577 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 374 | $1.8M |
| Dental(2 contracts, 2 carriers) | EMPLOYERS DENTAL SERVICES | 134 | $43K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 574 | $145K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 610 | $62K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 374 | $1.8M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 574 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 610 | — |
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.
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.