| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE DRIVE, 5TH FLOOR INDEPENDENCE, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $92K | — | $92K | 17.33% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE DRIVE, 5TH FLOOR INDEPENDENCE, OH 441316827 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $16 | $28K | 6.52% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PARK, STE. 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $17K | — | $17K | 27.84% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE DRIVE, 5TH FLOOR INDEPENDENCE, OH 44131 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.42% |
| AHA FINANCIAL SOLUTIONS, INC.3 | 155 N WACKER DR., STE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $342 | — | $342 | 0.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH DESIGN PLUS, INC. EIN 34-1593929 | Other services Service code 49 | — | $211K |
| FEDELI GROUP, INC. EIN 34-1310398 | Accounting (including auditing) Service code 10 | — | $0 |
| ROUNDSTONE MGT LTD EIN 27-0371422 | Other services Service code 49 | — | $0 |
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 | 1,092 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,096 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,614 | $431K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,614 | $431K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 842 | $594K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 842 | $594K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 842 | $531K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 622 | $405K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 842 | $594K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,614 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.