| 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 441316827 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $288 | $21K | 3.32% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE DRIVE, 5TH FLOOR INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $71K | — | $71K | 16.44% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE DRIVE, 5TH FLOOR INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $23K | — | $23K | 17.15% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE DRIVE, 5TH FLOOR INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 47.73% |
| SMITH, THOMAS, CHRISTOPHER3 | P O BOX 6650 METAIRIE, LA 70009 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 22.16% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE DRIVE, 5TH FLOOR INDEPENDENCE, OH 44131 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $32K | — | $32K | 139.64% |
| SMITH, THOMAS, CHRISTOPHER3 | P O BOX 6650 METAIRIE, LA 70009 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $15K | — | $15K | 64.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROUNDSTONE MGT LTD EIN 27-0371422 INSURANCE AGENT OR BROKER | Other services Service code 49 | — | $794K |
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 NETWORK ADMINISTRATOR | Other services Service code 49 | — | $265K |
| HEALTH DESIGN PLUS, INC. EIN 34-1593929 ADMINISTRATOR | Other services Service code 49 | — | $230K |
| FEDELI GROUP, INC. EIN 34-1310398 INSURANCE AGENT OR BROKER | Consulting (general) Service code 16 | — | $66K |
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 | 888 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 891 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,474 | $627K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,474 | $627K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 888 | $592K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 888 | $434K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 888 | $434K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 659 | $510K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 888 | $636K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,474 | — |
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.