| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $69K | — | $69K | 9.14% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 INDEPENDENCE, OH 44131 | THE STANDARD | $14K | $4K | $18K | 8.47% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 INDEPENDENCE, OH 44131 | ANTHEM LIFE INSURANCE CO. | $7K | — | $7K | 10.32% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 INDEPENDENCE, OH 44131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 21.21% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 INDEPENDENCE, OH 44131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 24.52% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 INDEPENDENCE, OH 44131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 23.34% |
No Schedule C service providers reported on this filing.
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 | 213 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 281 | $756K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 281 | $756K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 281 | $756K |
| Life insurance(2 contracts, 2 carriers) | THE STANDARD | 269 | $274K |
| Short-term disability(2 contracts, 2 carriers) | THE STANDARD | 269 | $274K |
| Long-term disability(2 contracts, 2 carriers) | THE STANDARD | 269 | $274K |
| Other(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 281 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.