| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $21K | $23K | 1.89% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, LLC | 5005 ROCKSIDE ROAD, SUITE 500 CLEVELAND, OH 44131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $808 | $8K | $9K | 0.70% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE ROAD, 5TH FLOOR INDEPENDENCE, OH 44131 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.55% |
| USI INSURANCE SERVICES LLC3 | 1001 LAKESIDE AVENUE, SUITE 1200 CLEVELAND, OH 44114 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.46% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $516 | $516 | 1.50% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | PO BOX 318003 INDEPENDENCE, OH 44131 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 25.56% |
| MERITAIN HEALTH3 Filed as: AB ENROLLMENT SOLUTIONS | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $247 | $0 | $247 | 1.12% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $211 | $0 | $211 | 0.96% |
| CGI VOLUNTARY BENEFITS, INC.3 | 20046 WALKER ROAD, SUITE 5 SHAKER HEIGHTS, OH 44121 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $65 | $0 | $65 | 0.29% |
| RICHARD YANKE3 | 5016 BARLOW DRIVE BRUNSWICK, OH 44212 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.07% |
| DAVID DICKENSON III3 Filed as: DAVID S. DICKENSON III | 6325 COCHRAN ROAD, SUITE 1 SOLON, OH 44139 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $13 | $0 | $13 | 0.06% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 109 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 109 | $1.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 109 | $1.2M |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 117 | $56K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 34 | $22K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 117 | $34K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 109 | $1.2M |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 117 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.