| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD, 5TH FLOOR SUITE 500 INDEPENDENCE, OH 44131 | DELTA DENTAL OF OHIO | $2K | $0 | $2K | 0.20% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD, 5TH FLOOR SUITE 500 INDEPENDENCE, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $3K | $37K | 6.71% |
| THE MCCLAIN GROUP LLC3 | 526 SCAIFE ROAD SEWICKLEY, PA 15143 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $0 | $34K | 6.25% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 2.49% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD, 5TH FLOOR SUITE 500 INDEPENDENCE, OH 44131 | CONSUMERS LIFE INSURANCE COMPANY | $4K | $8K | $12K | 4.57% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | CONSUMERS LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.67% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD, 5TH FLOOR SUITE 500 INDEPENDENCE, OH 44131 | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 4.98% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD, 5TH FLOOR SUITE 500 INDEPENDENCE, OH 44131 | UNION SECURITY INSURANCE COMPANY | $2K | $0 | $2K | 8.34% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | UNION SECURITY INSURANCE COMPANY | $361 | $0 | $361 | 1.66% |
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 | 3,951 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,951 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 4,464 | $1.2M |
| Vision | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF AMERICA | 4,206 | $226K |
| Life insurance | CONSUMERS LIFE INSURANCE COMPANY | 3,951 | $263K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,878 | $571K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 23 | $22K |
| Other | CONSUMERS LIFE INSURANCE COMPANY | 3,951 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,464 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.