| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 8777 GAINEY CENTER DR STE 100 SCOTTSDALE, AZ 85258 | UNITEDHEALTHCARE INSURANCE COMPANY | $103K | — | $103K | 5.04% |
| JP GRIFFIN COMPANIES LLC3 | 6720 N. SCOTTSDALE ROAD, SUITE 230 SCOTTSDALE, AZ 85253 | UNITEDHEALTHCARE INSURANCE COMPANY | $69K | — | $69K | 3.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | PO BOX 2158 RIVERSIDE, CA 92516 | DELTA DENTAL OF ARIZONA | $91K | — | $91K | 10.80% |
| 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 | $8K | — | $8K | 5.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 6565 AMERICAS PKWY NE STE 720 ALBUQUERQUE, NM 87110 | UNUM INSURANCE COMPANY | $12K | — | $12K | 12.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 111 S TEJON STREET, STE 113 COLORADO SPRINGS, CO 80903 | UNUM INSURANCE COMPANY | — | $2K | $2K | 2.49% |
| JEFFREY P. GRIFFIN3 Filed as: JEFFREY P GRIFFIN | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | UNUM INSURANCE COMPANY | $6K | $27 | $6K | 10.29% |
| JEFFREY P. GRIFFIN3 Filed as: JEFFREY P GRIFFIN | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | UNUM INSURANCE COMPANY | $7K | -$2 | $7K | 14.95% |
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 | 1,711 | 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) | 1,712 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ARIZONA | 2,105 | $847K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 2,046 | $139K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 3,766 | $2.0M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 3,766 | $2.0M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 3,766 | $2.0M |
| Other(5 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,766 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,766 | — |
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.
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.