| 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 | $80K | $5K | $85K | 14.74% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE DRIVE, 5TH FLOOR INDEPENDENCE, OH 441316827 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $5K | $23K | 4.17% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGEMENT | 8081 KINGSTON PARK, STE. 50 KNOXVILLE, TN 37919 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $6K | — | $6K | 8.29% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE DRIVE, 5TH FLOOR INDEPENDENCE, OH 44131 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.00% |
| AHA FINANCIAL SOLUTIONS, INC.3 | 155 N WACKER DR., STE 400 CHICAGO, IL 60606 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $279 | — | $279 | 0.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROUNDSTONE MGT LTD EIN 27-0371422 | Other services Service code 49 | — | $803K |
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Other services Service code 49 | — | $246K |
| HEALTH DESIGN PLUS, INC. EIN 34-1593929 | Other services Service code 49 | — | $171K |
| FEDELI GROUP, INC. EIN 34-1310398 | Other services Service code 49 | — | $79K |
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 | 822 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 825 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,482 | $555K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,482 | $555K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 896 | $649K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 896 | $649K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 896 | $580K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 649 | $462K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 896 | $649K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,482 | — |
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.