Better Health for All

JDC Group AG's core business is providing a digital platform for financial and insurance services, including health insurance.

The company's principal goods and services are financial in nature and do not have a direct, significant positive or negative health impact on customers. JDC Group AG explicitly states it does not generate income from activities associated with negative health outcomes, such as the trade in weapons, tobacco, fossil fuels, or pesticides. The company's financial products do not have direct safety implications for physical or mental health users. While JDC aims to facilitate access to financial products and promote financial education, these efforts are not directly related to the accessibility of health products or health education as defined by the rubric. The company does not collect or manage health-related data from its customers, nor does it conduct clinical trials or research. Its operations are not directly relevant to health crisis response, pharmaceutical patents, or food safety. The company's internal employee wellness programs, such as health days, ergonomic solutions, free fruit baskets, and the EGYM Wellpass, are internal initiatives for its workforce and do not reflect the health impact of its core business or external health equity programs.

Fair Money & Economic Opportunity

JDC Group AG operates as a platform for financial advisors and insurance brokers, generating revenue through commissions, service fees, and technology licensing.

The company does not directly offer lending or deposit services to consumers, nor does it provide debt products. Therefore, KPIs related to consumer lending, pricing, debt burden, and direct wealth-building outcomes are not applicable to its core business model. While the company undergoes external audits for information security (ISO 27002) and data protection (GDPR, BDSG), there is no specific evidence regarding open-banking APIs, customer data portability, or control over data sharing. Similarly, there is no data on the share of underserved clients, specific inclusion initiatives, profit reinvestment in community finance, financial literacy programs for consumers, or geographic inclusion.

Fair Pay & Worker Respect

The company reports a collective bargaining rate between 0% and 19% group-wide.

The pay gap between female and male employees is 25.96%, meaning women earn approximately 74.04% of male pay. The employee turnover rate was 13.29% in 2024, 5.4% in 2022, and 5.4% in 2021. The company recorded 0.00% reportable accidents at work in 2024, one occupational accident with no consequences in 2023, and one in 2022, with no fatalities in any of these years. No confirmed incidents of child labor, forced labor, human trafficking, discrimination, or other serious human rights violations were identified during the reporting period, and no compliance violations were recorded in 2022 or 2023. As of December 31, 2024, 12 employees were on temporary contracts, while 392 were on permanent contracts. Employee engagement ratings from Glassdoor show an overall employee rating of 3.8 out of 5 stars, with 90% recommending the company to a friend. The company provides mandatory medical examinations at the employer's expense and cooperates with a health insurance company for health days, but a specific percentage of employer-funded health insurance coverage is not provided.

Fair Trade & Ethical Sourcing

JDC Group AG is a financial advisory and insurance brokerage company, a business model that does not involve the procurement or trade of physical commodities. Therefore, KPIs related to fair trade certifications, materials risk, and supply chain traceability for physical goods are not applicable. While the company's 2023 Sustainability Report states no substantiated forced or child labor findings, and mentions integrating sustainability aspects into contracts, the nature of its business means it has no exposure to upstream labor practices or a supply chain requiring welfare or sourcing audits in the traditional sense.

No specific data is provided for the percentage of suppliers with ethical sourcing clauses or procurement budget directed to diverse suppliers.

Honest & Fair Business

JDC Group AG and its subsidiaries reported no compliance violations in 2021, 2022, and 2023, and no convictions or fines for anti-corruption and anti-bribery violations in 2024.

The company has a secure and anonymous whistleblower system, operated by external service providers, which assures confidentiality and prohibits retaliation against employees who report in good faith. However, there is no evidence of specific training frequency, uptake rates, or resolution times. A comprehensive anti-corruption policy is in place, forming a common framework for the Group and its subsidiaries, with the Executive Board overseeing its implementation and a central Corporate Compliance Manager coordinating activities. For third-party verification, the company's sustainability report was prepared with consulting institute ESIIS, and GHG emissions data underwent a quality check by Code Gaia. External audits of information security management and data protection are carried out by DEKRA every two years.

Kind to Animals

JDC Group AG is a financial advisory and insurance brokerage company, operating as a service-oriented platform.

Its core business involves financial services and products, not physical goods, animal-derived ingredients, animal testing, animal agriculture, or direct impact on wildlife habitats. Consequently, all animal welfare-related KPIs are not applicable to the company's operations. Animal welfare is listed as a "Non-material" topic in its double materiality assessment. The company has supported organizations committed to animal welfare, including the Constance Animal Welfare Home, through donations.

Planet-Friendly Business

JDC Group AG reported total Scope 1, 2, and 3 emissions of 566.08 tCO₂e in 2023, an increase from 328.93 tCO₂e in 2022.

As a financial advisory and insurance brokerage company, its overall GHG footprint is considered non-material. The company has not set SBTi-validated science-based carbon reduction targets, and quantitative targets for emission reductions are not yet available. In 2023, 71% of its operational electricity was sourced from renewable energy, an increase from 69% in 2022. The company purchased 1,300 m³ of water and returned 1,300 m³ in 2023, resulting in a water use per revenue of approximately 7.57 m³ per 1 M EUR. In 2023, 59.56% of waste was diverted from landfill. The company offset 370 metric tons of CO₂ in 2022, but the quality of these offsets is not specified. JDC Group AG reported no compliance violations in 2022 or 2023. The company has not declared a net-zero target year, nor does it disclose any climate-related stranded asset risks. There is no evidence of climate scenario analysis or TCFD alignment. The company has no programs addressing vulnerable communities regarding climate justice or supporting workers transitioning from high-carbon to low-carbon economies, and no investment in climate adaptation for vulnerable communities.

Respect for Cultures & Communities

The 2022 Sustainability Report explicitly states zero cultural appropriation incidents.

The company's business model as a financial advisory and insurance brokerage firm does not typically involve activities that would lead to cultural appropriation incidents.