| 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) | $33K | $1K | $34K | 3.35% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD, FL 5 INDEPENDENCE, OH 44131 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 10.34% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD, FL 5 INDEPENDENCE, OH 44131 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 12.15% |
| USI INSURANCE SERVICES LLC3 | 1001 LAKESIDE AVENUE, SUITE 1200 CLEVELAND, OH 44114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $133 | — | $133 | 0.85% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | PO BOX 318003 INDEPENDENCE, OH 44131 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 27.72% |
| MERITAIN HEALTH3 Filed as: AB ENROLLMENT SOLUTIONS FOR AETNA | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $552 | — | $552 | 4.27% |
| CGI VOLUNTARY BENEFITS, INC.3 Filed as: CGI VOLUNTARY BENEFITS INC | 20046 WALKER ROAD #5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $335 | — | $335 | 2.59% |
| DAVID DICKENSON III3 Filed as: DAVID S DICKNSON III | 6325 COCHRAN ROAD SUITE 1 SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $31 | — | $31 | 0.24% |
| RICHARD YANKE3 | 5016 BARLOW DRIVE BRUNSWICK, OH 44212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.15% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 312 ELM STREET 24TH FLOOR CINCINNATI, OH 45202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.08% |
| DAVID CAMPANA INSURANCE LTD3 Filed as: DAVID CAMPANA INS LTD | 341 COPPER CREEK AMHERST, OH 44001 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.02% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD, FL 5 INDEPENDENCE, OH 44131 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 11.96% |
| USI INSURANCE SERVICES LLC3 | 1001 LAKESIDE AVENUE, SUITE 1200 CLEVELAND, OH 44114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $107 | — | $107 | 1.05% |
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 | 121 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY (G1728) | 140 | $1.0M |
| Dental(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY (G1728) | 140 | $1.1M |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY (G1728) | 140 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 106 | $23K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 29 | $13K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 106 | $16K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 106 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.