| 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 | DELTA DENTAL OF OHIO | $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 | $41K | — | $41K | 11.24% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE RD STE, 500 INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 15.00% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE RD STE, 500 INDEPENDENCE, OH 44131 | EYE MED VISION CARE | $9K | — | $9K | 12.09% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY RD., P.O. BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 10.17% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE RD, STE 500 INDEPENDENCE, OH 441316827 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.01% |
| 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 | $2K | — | $2K | 4.52% |
| GARY D. SIRAK3 | 5411 DOWNINGSGATE CIR NW CANTON, OH 44718 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.64% |
| JEFFREY A. SIRAK3 | 4700 DRESSLER RD NW CANTON, OH 44718 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.64% |
| ERIK R. MILICEVIC3 | 4700 DRESSLER RD NW CANTON, OH 44718 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $213 | — | $213 | 0.48% |
| SMITH, THOMAS, CHRISTOPHER3 | 798 BERRY RD., P.O. BOX 40386 NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $787 | — | $787 | 3.50% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE RD STE, 500 INDEPENDENCE, OH 44131 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $660 | — | $660 | 2.94% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE RD STE, 500 INDEPENDENCE, OH 44131 | DELTA DENTAL OF OHIO | $251 | — | $251 | 2.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONTIGO HEALTH EIN 34-1593929 | Other services Service code 49 | — | $131K |
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Other services Service code 49 | — | $0 |
| THE FEDELI GROUP, INC. EIN 34-1310398 CONSULTANT | Consulting (general) Service code 16 | — | $0 |
| VOYA FINANCIAL EIN 41-0451140 CONSULTANT | 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 | 798 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 824 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIASTAR LIFE INSURANCE COMPANY | 611 | $596K |
| Dental(2 contracts) | DELTA DENTAL OF OHIO | 1,188 | $384K |
| Vision(2 contracts) | EYE MED VISION CARE | 1,014 | $77K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 836 | $558K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 836 | $368K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 836 | $368K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 611 | $596K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 836 | $639K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,188 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.