| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT & FINANCIAL STRATEGIES LLC3 Filed as: BENEFIT & FINANCIAL STRATEGIES | 6 E ASPEN AVE STE 200 FLAGSTAFF, AZ 86001 | BLUE CROSS BLUE SHIELD OF ARIZONA | $33K | — | $33K | 3.30% |
| JEFFREY GRIFFIN3 | 6720 N SCOTTSDALE RD STE 230 SCOTTSDALE, AZ 85253 | BLUE CROSS BLUE SHIELD OF ARIZONA | $17K | — | $17K | 1.70% |
| BENEFIT & FINANCIAL STRATEGIES LLC3 | 6 E ASPEN AVE STE 200 FLAGSTAFF, AZ 860015224 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 4.05% |
| JP GRIFFIN COMPANIES LLC3 | 6720 N SCOTTSDALE RD STE 230 SCOTTSDALE, AZ 852534403 | HUMANA INSURANCE COMPANY | $774 | — | $774 | 0.80% |
| BENEFIT & FINANCIAL STRATEGIES LLC3 Filed as: BENEFIT & FINANCIAL STRATEGIES | 6 EAST ASPEN AVE STE 200 FLAGSTAFF, AZ 86001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.85% |
| JP GRIFFIN COMPANIES LLC3 Filed as: GRIFFIN, JEFFREY P | 6720 N SCOTTSDALE RD STE 230 SCOTTSDALE, AZ 85253 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $83 | $1K | 4.04% |
| BENEFIT & FINANCIAL STRATEGIES LLC3 Filed as: BENEFIT & FINANCIAL STRATEGIES | 6 EAST ASPEN AVE STE 200 FLAGSTAFF, AZ 86001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 11.44% |
| JP GRIFFIN COMPANIES LLC3 Filed as: GRIFFIN, JEFFREY P | 6720 N SCOTTSDALE RD STE 230 SCOTTSDALE, AZ 85253 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $662 | $33 | $695 | 4.90% |
| TAMMY PEDERSON (FREER)3 | 4990 CAMINO DE LOS VIENTOS FLAGSTAFF, AZ 86004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 20.69% |
| BENEFIT FINANCIAL BENEFITS INC3 Filed as: BENEFIT AND FINANCIAL | STRATEGIES LLC 6 E ASPEN AVE STE 200 FLAGSTAFF, AZ 86001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $531 | — | $531 | 6.95% |
| ERIC PEDERSON3 Filed as: ERIC G PEDERSON | 1600 W UNIVERSITY AVE STE 104 FLAGSTAFF, AZ 86001 | CONTINENTAL AMERICAN INSURANCE COMPANY | $257 | — | $257 | 3.37% |
| VINCENT L ECHOLS3 | 3723 E WASHINGTON CT GILBERT, AZ 85234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | — | $87 | 1.14% |
| CHERIE E BLOODWORTH3 | 3405 WATERVIE W TRL ROCKWALL, TX 75087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.69% |
| TOM KOCH3 Filed as: TOM L KOCH | 6421 CONGRESS AVE BOCA RATON, FL 33487 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.56% |
| SCOTT WEBB3 | 2355 W PINNACLE PEAK RD STE 380 PHOENIX, AZ 85027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | — | $19 | 0.25% |
| NATHAN A WIGGINS3 | 619 COPPER BASIN RD PRESCOTT, AZ 86303 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | — | $13 | 0.17% |
| JEFFERY S GIBSON3 | 9292 E TOPEKA DRIVE SCOTTSDALE, AZ 85255 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| MICHAEL G GLADNICK3 | 2355 W PINNACLE PEAK RD STE 380 PHOENIX, AZ 85027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| NATALIE MALHAM3 Filed as: NATALIE D CLAWSON | 3850 E BASELINE RD STE 116 MESA, AZ 85206 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| CATHY STEPHENSON-HILL3 | PO BOX 85715 TUCSON, AZ 85754 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| BENEFIT & FINANCIAL STRATEGIES LLC3 Filed as: BENEFIT & FINANCIAL STRATEGIES, LLC | 6 E ASPEN AVE FLAGSTAFF, AZ 86001 | MHN SERVICES LLC | $97 | — | $97 | 5.01% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 159 | $992K |
| Dental | HUMANA INSURANCE COMPANY | 175 | $97K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 175 | $1.1M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 201 | $43K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 201 | $29K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 159 | $992K |
| Other(6 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 220 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.