| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY GRIFFIN3 | 6720 N SCOTTSDALE RD., STE. 310 SCOTTSDALE, AZ 85253 | BLUE CROSS BLUE SHIELD OF ARIZONA | $62K | — | $62K | 3.18% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 13.79% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 13.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 6720 N SCOTTSDALE RD., STE. 310 SCOTTSDALE, AZ 85253 | EMPLOYERS DENTAL SERVICES | $2K | — | $2K | 5.97% |
| 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 | 13.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS, INC. | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | SUN LIFE ASSURANCE COMPANY OF CANADA | $298 | — | $298 | 3.54% |
| JP GRIFFIN COMPANIES LLC3 | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | SUN LIFE ASSURANCE COMPANY OF CANADA | $291 | — | $291 | 3.46% |
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 | 540 | 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) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 429 | $2.0M |
| Dental(2 contracts, 2 carriers) | EMPLOYERS DENTAL SERVICES | 227 | $37K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,168 | $169K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 540 | $69K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 429 | $2.0M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,168 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,168 | — |
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.