| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD SUITE 500 INDEPENDENCE, OH 44131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $33K | $35K | 3.20% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SRVC(OH) | PO BOX 632886 CINCINNATI, OH 45263 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $199 | $0 | $199 | 0.02% |
| THE FEDELI GROUP3 Filed as: FEDELI GROUP INC | 5005 ROCKSIDE RD INDEPENDENCE, OH 44131 | METLIFE | $4K | $645 | $4K | 12.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INS SERVICE INC | PO BOX 632886 CINCINNATI, OH 45263 | METLIFE | $698 | $86 | $784 | 2.09% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE ROAD STE 500 INDEPENDENCE, OH 44131 | NATIONWIDE LIFE INSURANCE COMPANY | $761 | $0 | $761 | 8.31% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SERVICE | 700 W 47TH ST STE 1100 KANSAS CITY, MO 64112 | NATIONWIDE LIFE INSURANCE COMPANY | $153 | $0 | $153 | 1.67% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $1.1M |
| Vision | NATIONWIDE LIFE INSURANCE COMPANY | 75 | $9K |
| Life insurance | METLIFE | 127 | $37K |
| Short-term disability | METLIFE | 127 | $37K |
| Long-term disability | METLIFE | 127 | $37K |
| Other | METLIFE | 127 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.