| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE ROAD INDEPEDENCE, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $115K | $12K | $127K | 8.05% |
| THE FEDELI GROUP Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE ROAD, SUITE 500 INDEPENDENCE, OH 44131 | DELTA DENTAL OF OHIO | $22K | — | $22K | 2.47% |
| THE FEDELI GROUP3 Filed as: THE FIDELI GROUP INC | 5005 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $67K | — | $67K | 21.76% |
| THOMAS CHRISTOPHER SMITH3 | 2928 FOSTER CREIGHTON DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $37K | $4K | $41K | 13.09% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | VISION SERVICE PLAN | $4K | — | $4K | 2.03% |
| THE FEDELI GROUP3 Filed as: THE FIDELI GROUP INC | 5005 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | SUN LIFE AND HEALTH INSURANCE COMPANY | $34K | $387 | $34K | 94.21% |
| THE FEDELI GROUP3 Filed as: THE FIDELIT GROUP INC | 5005 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | — | $12K | 45.35% |
| THOMAS CHRISTOPHER SMITH3 | 2928 FOSTER CREIGTON DR NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | — | $7K | 24.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY | Float revenue; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $268K |
| FEDELI GROUP INC | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | — | $98K |
| JAMES B OSWALD COMPANY | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $68K |
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 | 2,709 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,709 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 4,916 | $879K |
| Vision | VISION SERVICE PLAN | 1,513 | $195K |
| Life insurance(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,621 | $1.9M |
| Short-term disability(4 contracts, 4 carriers) | DELTA DENTAL OF OHIO | 4,916 | $1.2M |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 5,281 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,281 | — |
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.
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.