| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE RD STE, 500 INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $58K | — | $58K | 12.32% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE RD STE, 500 INDEPENDENCE, OH 44131 | DELTA DENTAL | $7K | — | $7K | 2.00% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE RD STE, 500 INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 15.66% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE RD STE, 500 INDEPENDENCE, OH 44131 | EYE MED VISION CARE | $28K | — | $28K | 35.32% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY RD., P.O. BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.17% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE RD, STE 500 INDEPENDENCE, OH 441316827 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.44% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY RD., P.O. BOX 40386 NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 11.81% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE RD STE, 500 INDEPENDENCE, OH 44131 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.63% |
| LIFETIME FINANCIAL GROWTH OF MI3 Filed as: LIFETIME FINANCIAL GROWTH OF AKRON | 7 HANOVER SQUARE NEW YORK, NY 100042616 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 48.32% |
| GARY D. SIRAK3 | 4700 DRESSLER RD NW CANTON, OH 44718 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 35.13% |
| JEFFREY A. SIRAK3 | 4700 DRESSLER RD NW CANTON, OH 44718 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 35.13% |
| ERIK R. MILICEVIC3 | 4700 DRESSLER RD NW CANTON, OH 44718 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VOYA FINANCIAL CONSULTANT | Other services Service code 49 | — | $621K |
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 12 | — | $349K |
| CONTIGO HEALTH EIN 34-1593929 | Other services Service code 49 | — | $132K |
| THE FEDELI GROUP, INC. EIN 34-1310398 CONSULTANT | Non-monetary compensation; Consulting (general); Other commissions; Insurance agents and brokers Service code 16 | — | $47K |
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 | 831 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 22 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 861 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIASTAR LIFE INSURANCE COMPANY | 641 | $621K |
| Dental | DELTA DENTAL | 1,263 | $367K |
| Vision | EYE MED VISION CARE | 1,121 | $80K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 877 | $664K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 877 | $468K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 877 | $468K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 641 | $621K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 877 | $727K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,263 | — |
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.