| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 Filed as: FEDELI GROUP INC THE | PO BOX 318003 CLEVELAND, OH 44131 | GUARDIAN | $37K | $12K | $49K | 9.16% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF OHIO LLC | 3900 KINROSS LAKES PKWY SUITE 300 RICHFIELD, OH 44286 | GUARDIAN | $15K | — | $15K | 2.88% |
| SEE ATTACHED3 Filed as: SEE ATTACHMENT FOR ADDITIONAL COMP. | — | GUARDIAN | — | — | $0 | 0.00% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC | 5005 ROCKSIDE ROAD 5TH FLOOR, SUITE 500 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL OF OHIO | $63K | $27K | $90K | 18.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL MUTUAL SERVICES EIN 34-1922587 CLAIMS PROCESSING | Claims processing Service code 12 | — | $160K |
| UMR EIN 39-1995276 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $150K |
| THE FEDELI GROUP INC EIN 34-1310398 BROKER | Other commissions Service code 55 | — | $29K |
| ASSURED PARTNERS OF OHIO LLC EIN 80-0786940 BROKER | Other commissions Service code 55 | — | $14K |
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 | 540 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 150 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 700 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 300 | $494K |
| Dental | GUARDIAN | 540 | $533K |
| Vision | GUARDIAN | 540 | $533K |
| Life insurance | GUARDIAN | 540 | $533K |
| Short-term disability | GUARDIAN | 540 | $533K |
| Long-term disability | GUARDIAN | 540 | $533K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 300 | $833K |
| Other | GUARDIAN | 540 | $533K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 540 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.