| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD, SUITE 500 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL | $122K | $13K | $134K | 4.20% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD, SUITE 500 CLEVELAND, OH 44131 | DELTA DENTAL OF OHIO | $263 | $0 | $263 | 0.15% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD, SUITE 500 INDEPENDENCE, OH 44131 | AMERICAN UNITED LIFE INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| WATCH TOWER BENEFITS3 | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60618 | AMERICAN UNITED LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.49% |
| THE FEDELI GROUP3 | PO BOX 318003 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 11.32% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.11% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 NORTH MILDRED AVENUE, SUITE 3 CHICAGO, IL 60618 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $379 | $0 | $379 | 0.67% |
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 | 258 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 222 | $3.2M |
| Dental | DELTA DENTAL OF OHIO | 493 | $172K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 179 | $57K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 258 | $161K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 258 | $105K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 258 | $105K |
| Prescription drug | MEDICAL MUTUAL | 222 | $3.2M |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 258 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 493 | — |
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.