| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JP GRIFFIN COMPANIES LLC3 | 6720 N. SCOTTSDALE ROAD, SUITE 230 SCOTTSDALE, AZ 85253 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.23% |
| JP GRIFFIN COMPANIES LLC3 | 6720 N. SCOTTSDALE ROAD, SUITE 230 SCOTTSDALE, AZ 85253 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| JEFFREY GRIFFIN3 | 6720 N. SCOTTSDALE ROAD, SUITE 230 SCOTTSDALE, AZ 85253 | VISION SERVICE PLAN | $725 | — | $725 | 7.63% |
| JP GRIFFIN COMPANIES LLC3 | 6720 N. SCOTTSDALE ROAD, SUITE 230 SCOTTSDALE, AZ 85253 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $806 | — | $806 | 12.85% |
| JP GRIFFIN COMPANIES LLC3 | 6720 N. SCOTTSDALE ROAD, SUITE 230 SCOTTSDALE, AZ 85253 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $604 | — | $604 | 15.00% |
| JP GRIFFIN COMPANIES LLC3 | 6720 N. SCOTTSDALE ROAD, SUITE 230 SCOTTSDALE, AZ 85253 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $251 | — | $251 | 15.00% |
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 | 230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $51K |
| Vision | VISION SERVICE PLAN | 89 | $10K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $12K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 104 | $13K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 230 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.