| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, LLC | 5005 ROCKSIDE ROAD, 5TH FLOOR INDEPENDENCE, OH 44131 | CONNECTICARE, INC. | $0 | $89K | $89K | 5.00% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | CONNECTICARE, INC. | $0 | $18K | $18K | 1.00% |
| THE FEDELI GROUP3 Filed as: FEDELI GROUP | 5005 ROCKSIDE RD 5TH FLOOR STE 500 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL INSURANCE COMPANY | $30K | $7K | $38K | 4.67% |
| THE FEDELI GROUP3 Filed as: FEDELI GROUP, INC. | 5005 ROCKSIDE RD 5TH FLOOR STE 500 INDEPENDENCE, OH 44131 | AETNA INSURANCE COMPANY | $0 | $7K | $7K | 5.00% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE ROAD, 5TH FLOOR STE 500 INDEPENDENCE, OH 44131 | AETNA INSURANCE COMPANY | $0 | $3K | $3K | 12.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 | 4200 ROCKSIDE RD #103 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $454 | $529 | $983 | 6.57% |
| G. NEWMAN3 | 2501 CHAGRIN BLVD SUITE 100 BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $67 | — | $67 | 0.45% |
| DONALD F. BERCU3 | 3129 BREMERTON ROAD CLEVELAND, OH 44124 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $33 | — | $33 | 0.22% |
| LIFETIME FINANCIAL GROWTH OF N3 Filed as: LIFETIME FINANCIAL GROWTH OF N. OH | 24500 CHAGRIN BLVD STE 200 BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.01% |
| THE FEDELI GROUP3 Filed as: FEDELI GROUP | 5005 ROCKSIDE RD 5TH FLOOR STE 500 INDEPENDENCE, OH 44131 | CONSUMERS LIFE INSURANCE COMPANY | $999 | $416 | $1K | 16.80% |
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 | 304 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CONNECTICARE, INC. | 344 | $2.6M |
| Dental(3 contracts, 3 carriers) | MEDICAL MUTUAL INSURANCE COMPANY | 127 | $956K |
| Life insurance(3 contracts, 3 carriers) | AETNA INSURANCE COMPANY | 140 | $58K |
| Other(3 contracts, 3 carriers) | AETNA INSURANCE COMPANY | 140 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.