| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE ROAD 5TH FLOOR INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY | $96K | $5K | $101K | 3.76% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC. | 5005 ROCKSIDE RD INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY | $17K | — | $17K | 7.00% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | ANTHEM LIFE INSURANCE COMPANY | $4K | — | $4K | 10.88% |
| THOMAS S FARRO3 Filed as: THOMAS S FARRO INC | 291 CLEVELAND-MASSILLON RD SUITE 100 AKRON, OH 44333 | HARTFORD LIFE AND ACCIDENT | $925 | — | $925 | 10.00% |
| EXPRESSLINK GENERAL AGENCY LLC3 Filed as: EXPRESSLINK GENERAL AGENCY | 4200 ROCKSIDE RD SUITE 103 INDEPENDENCE, OH 44131 | HARTFORD LIFE AND ACCIDENT | — | $462 | $462 | 5.00% |
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 | 311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 533 | $2.7M |
| Dental | COMMUNITY INSURANCE COMPANY | 274 | $245K |
| Life insurance(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 345 | $60K |
| Long-term disability | STANDARD INSURANCE COMPANY | 11 | $17K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 12 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 533 | — |
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.