| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD, 5TH FLOOR SUITE 5 INDEPENDENCE, OH 44131 | DELTA DENTAL OF OHIO | $3K | $0 | $3K | 0.29% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD, 5TH FLOOR SUITE 5 INDEPENDENCE, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48K | $0 | $48K | 7.50% |
| THE MCCLAIN GROUP LLC3 | 526 SCAIFE ROAD SEWICKLEY HEIGHTS, PA 15143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $48K | $0 | $48K | 7.50% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD, 5TH FLOOR SUITE 5 INDEPENDENCE, OH 44131 | CONSUMERS LIFE INSURANCE COMPANY | $7K | $9K | $15K | 5.11% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD, 5TH FLOOR SUITE 5 INDEPENDENCE, OH 44131 | EYEMED VISION CARE | $10K | $0 | $10K | 4.96% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD, 5TH FLOOR SUITE 5 INDEPENDENCE, OH 44131 | SUN LIFE FINANCIAL | $2K | $0 | $2K | 10.00% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD, 5TH FLOOR SUITE 5 INDEPENDENCE, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.50% |
| THE MCCLAIN GROUP LLC3 | 526 SCAIFE ROAD SEWICKLEY HEIGHTS, PA 15143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.50% |
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 | 4,337 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 4,346 | $1.1M |
| Vision | EYEMED VISION CARE | 4,024 | $208K |
| Life insurance | CONSUMERS LIFE INSURANCE COMPANY | 3,717 | $297K |
| Short-term disability(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,888 | $685K |
| Long-term disability | SUN LIFE FINANCIAL | 24 | $22K |
| Other | CONSUMERS LIFE INSURANCE COMPANY | 3,717 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,346 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.