| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | MEDICAL MUTUAL OF OHIO | $0 | $41K | $41K | 0.36% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC. | 5005 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | DELTA DENTAL OF OHIO | $0 | — | $0 | 0.00% |
| THE FEDELI GROUP3 Filed as: FEDELI GROUP INC | 5005 ROCKSIDE ROAD 5TH FLOOR SUITE INDEPENDENCE, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $4K | $40K | 8.28% |
| THE MCCLAIN GROUP LLC3 | 104 WITHEROW ROAD SEWICKLEY, PA 15143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $4K | $40K | 8.28% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | CONSUMERS LIFE INSURANCE COMPANY | $6K | $5K | $11K | 5.51% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | COMBINED INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.39% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | PO BOX 9052 RADNOR, PA 19087 | COMBINED INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.30% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC. | 5005 ROCKSIDE ROAD 5TH FLOOR SUITE INDEPENDENCE, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $885 | $6K | 8.84% |
| THE MCCLAIN GROUP LLC3 | 104 WITHEROW ROAD SEWICKLEY, PA 15143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $885 | $6K | 8.84% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | UNION SECURITY INSURANCE COMPANY | $2K | $24 | $2K | 10.10% |
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 | 3,542 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 3,542 | $924K |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 3,264 | $173K |
| Life insurance | CONSUMERS LIFE INSURANCE COMPANY | 3,106 | $200K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 46 | $24K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 46 | $24K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 1,216 | $11.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,542 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.