| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JP GRIFFIN COMPANIES LLC3 Filed as: JP GRIFFIN COMPANIES, LLC | 6720 N SCOTTSDALE RD SCOTTSDALE, AZ 85253 | BANNER HEALTH AND AETNA HEALTH | — | $5K | $5K | 1.08% |
| JEFFREY GRIFFIN3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $347 | $3K | 6.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS | 6565 AMERICAS PARKWAY NE ALBUQUERQUE, NM 87110 | STARMOUNT LIFE INSURANCE COMPANY | $1K | — | $1K | 2.52% |
| M & O AGENCIES INC3 | 1835 S EXTENTION RD MESA, AZ 85210 | STARMOUNT LIFE INSURANCE COMPANY | $767 | $58 | $825 | 1.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | 111 S TEJON STREET STE 113 COLORADO SPRINGS, CO 80903 | STARMOUNT LIFE INSURANCE COMPANY | — | $599 | $599 | 1.26% |
| JEFFREY GRIFFIN3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $208 | $3K | 9.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS | 6565 AMERICAS PARKWAY NE STE 720 ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.81% |
| M & O AGENCIES INC3 | 1835 S EXTENSION RD MESA, AZ 85210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $727 | $36 | $763 | 2.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | 111 S TEJON STREET STE 113 COLORADO SPRINGS, CO 80903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $366 | $366 | 1.27% |
| JEFFREY GRIFFIN3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $125 | $2K | 9.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS | 6565 AMERICAS PARKWAY NE ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $685 | — | $685 | 3.89% |
| M & O AGENCIES INC3 | 1835 S EXTENSION RD MESA, AZ 85210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $461 | $23 | $484 | 2.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | 111 S TEJON STREET STE 113 COLORADO SPRINGS, CO 80903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $228 | $228 | 1.30% |
| JEFFREY GRIFFIN3 | 6720 N. SCOTTSDALE ROAD, SUITE 310 SCOTTSDALE, AZ 85253 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $274 | $34 | $308 | 6.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS | 6565 AMERICAS PARKWAY NE ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $123 | — | $123 | 2.55% |
| M & O AGENCIES INC3 | 1835 S EXTENSION RD MESA, AZ 85210 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $85 | $6 | $91 | 1.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | 111 S TEJON STREET STE 113 COLORADO SPRINGS, CO 80903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $62 | $62 | 1.29% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BANNER HEALTH AND AETNA HEALTH | 100 | $530K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 87 | $47K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 87 | $47K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $22K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30 | $29K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30 | $29K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 157 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.