| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN COMPANIES, LLC | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | DELTA DENTAL OF ARIZONA | $70K | — | $70K | 10.09% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N. SCOTTSDALE ROAD, SUITE 230 SCOTTSDALE, AZ 85253 | UNITEDHEALTHCARE INSURANCE COMPANY | $92K | — | $92K | 14.13% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $3K | — | $3K | 4.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SERVICES, INC. NM | PO BOX 3135 ALBUQUERQUE, NM 87190 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $39 | — | $39 | 0.05% |
| JEFFREY P. GRIFFIN3 Filed as: JEFFREY P GRIFFIN | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | UNUM INSURANCE COMPANY | $4K | $970 | $5K | 19.00% |
| JEFFREY P. GRIFFIN3 Filed as: JEFFREY P GRIFFIN | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | UNUM INSURANCE COMPANY | $2K | $538 | $3K | 12.91% |
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN GROUP | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $601 | — | $601 | 4.46% |
| JEFFREY P. GRIFFIN3 Filed as: JEFFREY P GRIFFIN | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | UNUM INSURANCE COMPANY | $747 | $210 | $957 | 9.67% |
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 | 1,282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARIZONA | 1,656 | $694K |
| Vision(3 contracts) | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 1,659 | $89K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,282 | $649K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,282 | $649K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,282 | $649K |
| Other(6 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,961 | $794K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,961 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.