| 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 | $43K | — | $43K | 4.98% |
| JP GRIFFIN COMPANIES LLC3 | 6720 N SCOTTSDALE RD STE 310 PARADISE VALLEY, AZ 85253 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | MONY LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 14.19% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF AZ | 2444 W LAS PALMARITAS DRIVE PHOENIX, AZ 85021 | MONY LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 7.57% |
| JP GRIFFIN COMPANIES LLC3 | 6720 N. SCOTTSDALE ROAD, SUITE 230 SCOTTSDALE, AZ 85253 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 28.97% |
| BENEFITS & FINANCIAL STRATEGIES LLC3 | 6 E. ASPEN AVE. FLAGSTAFF, AZ 86001 | MHN SERVICES | $232 | — | $232 | 4.99% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 121 | $854K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 238 | $80K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 238 | $935K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 180 | $71K |
| Short-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 180 | $71K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 180 | $71K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 121 | $854K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 220 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.