| 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. | $23K | — | $23K | 3.03% |
| THE DJB GROUP3 Filed as: THE DJB GROUP, INC. | 262 CHESTNUT ST SUITE 200 MEADVILLE, PA 16335 | ONE AMERICA | $6K | — | $6K | 9.91% |
| THE DJB GROUP3 Filed as: THE DJB GROUP, INC. | 697 MILLERS RUN RD BOX 466 CUDDY, PA 15031 | GUARDIAN | $2K | — | $2K | 7.87% |
| LIFETIME FINANCIAL GROWTH7 Filed as: THE LIFETIME FINANCIAL GROWTH, LLC | 244 BLVD OF THE ALLIES PITTSBURGH, PA 15222 | GUARDIAN | $20 | — | $20 | 0.08% |
| THE DJB GROUP3 Filed as: THE DJB GROUP, INC. | 262 CHESTNUT ST SUITE 200 MEADVILLE, PA 16335 | VISION BENEFITS OF AMERICA | $598 | — | $598 | 6.99% |
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 | 151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK, INC. | 151 | $768K |
| Dental | GUARDIAN | 72 | $26K |
| Vision | VISION BENEFITS OF AMERICA | 104 | $9K |
| Life insurance | ONE AMERICA | 116 | $56K |
| Short-term disability | ONE AMERICA | 116 | $56K |
| Long-term disability | ONE AMERICA | 116 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.