| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 Filed as: FEDELI GROUP INC, THE | 5005 ROCKSIDE RD #500 INDEPENDENCE, OH 441316827 | HUMANA | $10K | — | $10K | 10.46% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTRE DRIVE SUITE Q WEST CHESTER, OH 450696585 | HUMANA | $275 | — | $275 | 0.30% |
| MONICA L. POWELL3 Filed as: MONICA L POWELL | 5730 ALVARADO DR HOUSTON, TX 770355508 | HUMANA | $3 | — | $3 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SER SAN ANTONIO | TWO PIERCE PLACE GALLAGHER CENTER ITASCA, IL 601435506 | HUMANA | $2 | — | $2 | 0.00% |
| EDWARD D SOMMER3 Filed as: EDWARD SOMMER | 300 W WILSON BRIDGE RD WORTHINGTON, OH 43085 | HUMANA | -$10 | — | -$10 | -0.01% |
| THE FEDELI GROUP3 | P O BOX 318003 INDEPENDENCE, OH 44131 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA | 117 | $93K |
| Vision | HUMANA | 117 | $93K |
| Life insurance | HUMANA | 117 | $93K |
| Short-term disability | HUMANA | 117 | $93K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 123 | $23K |
| Other | HUMANA | 117 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.