| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE DJB GROUP3 Filed as: THE DJB GROUP, LLC | 262 CHESTNUT STREET, SUITE 200 MEADVILLE, PA 16335 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $44K | $0 | $44K | 12.44% |
| DMC BENEFITS INC3 Filed as: DMC BENEFITS, INC. | 1485 PRINCE CHARLES AVENUE WESTLAKE, OH 44145 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $25K | $25K | 7.00% |
| FMLASOURCE INC3 Filed as: FMLASOURCE, INC. | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 2.81% |
| DMC BENEFITS INC3 Filed as: DMC BENEFITS, INC. | 1485 PRINCE CHARLES AVENUE WESTLAKE, OH 44145 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 3.00% |
| HIGHSTREET INSURANCE SERVICES3 | 697 MILLERS RUN ROAD, BOX 466 CUDDY, PA 15031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 2.49% |
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 | 431 | 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) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 327 | $207K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 327 | $207K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 431 | $355K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 431 | $355K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 431 | $355K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 431 | $355K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.