| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE DJB GROUP3 | 231 CHESTNUT ST STE 410 MEADVILLE, PA 16335 | UPMC HEALTH BENEFITS | $10K | $0 | $10K | 8.54% |
| THE DJB GROUP3 Filed as: DJB GROUP | 262 CHESTNUT ST STE 200 MEADVILLE, PA 16335 | HARTFORD LIFE AND ACCIDENT | $9K | $0 | $9K | 8.78% |
| FIRST NATIONAL INSURANCE AGENCY3 | 100 FEDERAL ST PITTSBURGH, PA 15212 | HARTFORD LIFE AND ACCIDENT | $1 | $0 | $1 | 0.00% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | 37 W BROAD ST 7TH FL COLUMBUS, OH 43215 | HARTFORD LIFE AND ACCIDENT | $1 | $0 | $1 | 0.00% |
| THE DJB GROUP3 | 231 CHESTNUT ST STE 410 MEADVILLE, PA 16335 | UPMC HEALTH BENEFITS | $79 | $0 | $79 | 8.48% |
| THE DJB GROUP3 | 262 CHESTNUT ST STE 410 MEADVILLE, PA 16335 | UPMC HEALTH BENEFITS | $0 | $0 | $0 | — |
| FIRST NATIONAL INS AGENCY3 | 12 FEDERAL ST STE 405 PITTSBURGH, PA 15212 | UPMC HEALTH BENEFITS | $0 | $0 | $0 | — |
| FIRST NATIONAL INS AGENCY3 | 12 FEDERAL ST STE 405 PITTSBURGH, PA 15212 | VBA | $0 | $0 | $0 | — |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts) | UPMC HEALTH BENEFITS | 357 | $115K |
| Vision | VBA | 0 | $0 |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 181 | $103K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 181 | $103K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 181 | $103K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 181 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 357 | — |
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.