| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP LLC | 5005 ROCKSIDE ROAD, FL 5 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY (G1728) | $35K | $3K | $38K | 3.85% |
| USI INSURANCE SERVICES LLC3 | 2307 E AURORA RD #B-13 TWINSBURG, OH 440871952 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 12.96% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II, STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $128 | $128 | 1.29% |
| USI INSURANCE SERVICES LLC3 | 2307 E AURORA RD #B-13 TWINSBURG, OH 440871952 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 13.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $121 | $121 | 1.29% |
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 | 102 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY (G1728) | 320 | $988K |
| Dental | COMMUNITY INSURANCE COMPANY (G1728) | 320 | $988K |
| Vision | COMMUNITY INSURANCE COMPANY (G1728) | 320 | $988K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 115 | $9K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 115 | $10K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 115 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.