| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE DJB GROUP3 Filed as: THE DJB GROUP, INC. | 262 CHESTNUT ST SUITE 200 MEADVILLE, PA 16335 | HIGHMARK, INC. | $26K | — | $26K | 3.01% |
| THE DJB GROUP3 Filed as: THE DJB GROUP, INC. | 262 CHESTNUT ST SUITE 200 MEADVILLE, PA 16335 | ONE AMERICA | $9K | — | $9K | 13.31% |
| THE DJB GROUP3 Filed as: THE DJB GROUP, INC. | 697 MILLERS RUN ROAD BOX 466 CUDDY, PA 15031 | GUARDIAN | $2K | — | $2K | 8.04% |
| LIFETIME FINANCIAL GROWTH7 Filed as: LIFETIME FINANCIAL GROWTH, LLC | 244 BLVD OF THE ALLIES PITTSBURGH, PA 15222 | GUARDIAN | $80 | — | $80 | 0.28% |
| THE DJB GROUP3 Filed as: THE DJB GROUP, INC. | 262 CHESTNUT ST SUITE 200 MEADVILLE, PA 16335 | VISION BENEFITS OF AMERICA | $351 | — | $351 | 3.50% |
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 | 168 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 168 | $869K |
| Dental | GUARDIAN | 72 | $28K |
| Vision | VISION BENEFITS OF AMERICA | 125 | $10K |
| Life insurance | ONE AMERICA | 157 | $68K |
| Short-term disability | ONE AMERICA | 157 | $68K |
| Long-term disability | ONE AMERICA | 157 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.