| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE DJB GROUP Filed as: THE DJB GROUP, INC. | 231 CHESTNUT STREET SUITE 410 MEADVILLE, PA 16335 | HIGHMARK | $67K | — | $67K | 1.87% |
| THE DJB GROUP Filed as: THE DJB GROUP, INC. | 231 CHESTNUT STREET SUITE 410 MEADVILLE, PA 16335 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $691 | — | $691 | 1.30% |
| THE DJB GROUP Filed as: THE DJB GROUP, INC. | 231 CHESTNUT STREET SUITE 410 MEADVILLE, PA 16335 | UNITED CONCORDIA COMPANIES, INC | $17K | — | $17K | — |
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 | 392 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 432 | $3.6M |
| Vision | HIGHMARK | 432 | $3.6M |
| Life insurance | UNITED CONCORDIA COMPANIES, INC | 0 | $0 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $53K |
| Prescription drug | HIGHMARK | 432 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.