| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 Filed as: SBR SERVICES, LLC | 2839 PACES FERRY RD. SE STE 830 ATLANTA, GA 303395770 | RELIASTAR LIFE INSURANCE COMPANY | — | $40K | $40K | 7.00% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE RD STE, 500 CLEVELAND, OH 44131 | DELTA DENTAL OF OHIO | $9K | — | $9K | 2.32% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE RD STE, 500 INDEPENDENCE, OH 44131 | STANDARD INSURANCE COMPANY | $35K | $8K | $44K | 20.87% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE RD STE, 500 INDEPENDENCE, OH 44131 | STANDARD INSURANCE COMPANY | $25K | $8K | $33K | 16.40% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE RD STE, 500 INDEPENDENCE, OH 44131 | STANDARD INSURANCE COMPANY | $26K | $6K | $31K | 21.80% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE RD STE, 500 INDEPENDENCE, OH 44131 | STANDARD INSURANCE COMPANY | $20K | $4K | $24K | 25.24% |
| THE FEDELI GROUP3 Filed as: THE FIDELI GROUP | 5005 ROCKSIDE RD, 5TH FLOOR INDEPENDENCE, OH 44131 | EYE MED VISION CARE | $10K | — | $10K | 11.97% |
| 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 | 5.17% |
| GARY D. SIRAK3 | 4700 DRESSLER RD NW CANTON, OH 44718 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.24% |
| JEFFREY A. SIRAK3 | 4700 DRESSLER RD NW CANTON, OH 44718 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.10% |
| ERIK R. MILICEVIC3 | 4700 DRESSLER RD NW CANTON, OH 44718 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $229 | — | $229 | 0.55% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE RD STE, 500 INDEPENDENCE, OH 44131 | DELTA DENTAL OF OHIO | $234 | — | $234 | 2.15% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE RD STE, 500 INDEPENDENCE, OH 44131 | EYE MED VISION CARE | $27 | — | $27 | 11.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VOYA FINANCIAL EIN 41-0451140 CONSULTANT | Other services Service code 49 | — | $574K |
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Other services Service code 49 | — | $188K |
| CONTIGO HEALTH EIN 34-1593929 | Other services Service code 49 | — | $142K |
| THE FEDELI GROUP, INC. EIN 34-1310398 CONSULTANT | Consulting (general) Service code 16 | — | $44K |
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 | 789 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 25 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | RELIASTAR LIFE INSURANCE COMPANY | 622 | $574K |
| Dental(2 contracts) | DELTA DENTAL OF OHIO | 1,200 | $393K |
| Vision(2 contracts) | EYE MED VISION CARE | 540 | $82K |
| Life insurance | STANDARD INSURANCE COMPANY | 840 | $209K |
| Short-term disability | STANDARD INSURANCE COMPANY | 549 | $199K |
| Long-term disability | STANDARD INSURANCE COMPANY | 599 | $144K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 622 | $574K |
| Other | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | 14 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,200 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.