| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, LLC | 5005 ROCKSIDE ROAD, SUITE 500 INDEPENDENCE, OH 44131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $116K | $15K | $131K | 9.03% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, LLC | 5005 ROCKSIDE ROAD, SUITE 500 INDEPENDENCE, OH 44131 | DELTA DENTAL OF OHIO | $35K | $0 | $35K | 2.49% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, LLC | 5005 ROCKSIDE ROAD, SUITE 500 INDEPENDENCE, OH 44131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $89K | $15K | $104K | 11.68% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, LLC | 5005 ROCKSIDE ROAD, SUITE 500 INDEPENDENCE, OH 44131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $39K | $14K | $53K | 13.73% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, LLC | 5005 ROCKSIDE ROAD, SUITE 500 INDEPENDENCE, OH 44131 | VISION SERVICE PLAN | $5K | $0 | $5K | 1.61% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, LLC | 5005 ROCKSIDE ROAD, SUITE 500 INDEPENDENCE, OH 44131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $64K | $6K | $70K | 21.77% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS COM INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $16K | $16K | 5.00% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, LLC | 5005 ROCKSIDE ROAD, SUITE 500 INDEPENDENCE, OH 44131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $57K | $5K | $62K | 21.61% |
| BENEFITFOCUS.COM, INC.3 Filed as: BENEFITFOCUS COM INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $14K | $14K | 5.00% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, LLC | 5005 ROCKSIDE ROAD, SUITE 500 INDEPENDENCE, OH 44131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | $6K | $24K | 13.01% |
| THE FEDELI GROUP Filed as: THE FEDELI GROUP, LLC | 5005 ROCKSIDE ROAD, SUITE 500 INDEPENDENCE, OH 44131 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 3.04% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $167 | $5K | 2.79% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, LLC | 5005 ROCKSIDE ROAD, SUITE 500 INDEPENDENCE, OH 44131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $32K | $9K | $41K | 25.63% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, LLC | 5005 ROCKSIDE ROAD, SUITE 500 INDEPENDENCE, OH 44131 | FIRST UNUM LIFE INSURANCE COMPANY | $641 | $0 | $641 | 2.98% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $456 | $0 | $456 | 2.12% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, LLC | 5005 ROCKSIDE ROAD, SUITE 500 INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $153 | $0 | $153 | 4.34% |
| THOMAS CHRISTOPHER SMITH3 | PO BOX 40386 798 BERRY ROAD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92 | $0 | $92 | 2.61% |
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 | 4,200 | 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) | 4,200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 6,366 | $1.4M |
| Vision | VISION SERVICE PLAN | 2,542 | $330K |
| Life insurance(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,105 | $1.3M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,527 | $1.5M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,527 | $387K |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,339 | $938K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,366 | — |
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.