| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | THE GUARDIAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| THE DJB GROUP3 Filed as: THE DJB GROUP, INC. | 697 MILLERS RUN ROAD BOX 466 CUDDY, PA 15031 | THE GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.78% |
| THE DJB GROUP3 Filed as: THE DJB GROUP INC | 262 CHESTNUT ST STE 200 MEADVILLE, PA 16335 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.65% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 7.00% |
| THE DJB GROUP3 Filed as: THE DJB GROUP INC | 262 CHESTNUT ST STE 200 MEADVILLE, PA 16335 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.94% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 7.00% |
| THE DJB GROUP3 Filed as: THE DJB GROUP INC | 262 CHESTNUT ST STE 200 MEADVILLE, PA 16335 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.02% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 7.00% |
| THE DJB GROUP3 Filed as: THE DJB GROUP INC | 262 CHESTNUT ST SUITE 200 MEADVILLE, PA 16335 | VISION BENEFITS OF AMERICA | $975 | $0 | $975 | 5.21% |
| THE DJB GROUP3 Filed as: THE DJB GROUP INC | 262 CHESTNUT ST STE 200 MEADVILLE, PA 16335 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| DMC BENEFITS INC3 | 1485 PRINCE CHARLES AVE WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 7.00% |
| THE DJB GROUP3 Filed as: DJB GROUP | 262 CHESTNUT ST STE 200 MEADVILLE, PA 16335 | HARTFORD LIFE AND ACCIDENT | $517 | $0 | $517 | 5.21% |
| HIGH STREET INSURANCE PARTNERS, INC3 | 305 WEST FRONT STREET SUITE 201 2ND FLOOR TRAVERSE CITY, MI 49684 | HARTFORD LIFE AND ACCIDENT | $0 | $513 | $513 | 5.17% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 173 | $85K |
| Vision | VISION BENEFITS OF AMERICA | 175 | $19K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $47K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $51K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $50K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.