| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD SUITE 500 CLEVELAND, OH 44131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $278K | $0 | $278K | 8.98% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD CLEVELAND, OH 44131 | DELTA DENTAL OF OHIO | $40K | $0 | $40K | 2.68% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD, SUITE 500 CLEVELAND, OH 44131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $135K | $0 | $135K | 20.00% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $34K | $34K | 5.00% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD, SUITE 500 INDEPENDENCE, OH 44131 | VISION SERVICE PLAN | $5K | $0 | $5K | 1.56% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD, SUITE 500 INDEPENDENCE, OH 44131 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 2.64% |
| THOMAS CHRISTOPHER SMITH3 | 798 BERRY ROAD NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1 | $3K | 1.70% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD, SUITE 500 INDEPENDENCE, TN 44131 | FIRST UNUM LIFE INSURANCE COMPANY | $529 | $0 | $529 | 2.78% |
| THOMAS CHRISTOPHER SMITH3 | 798 BERRY ROAD NASHVILLE, TN 37204 | FIRST UNUM LIFE INSURANCE COMPANY | $326 | $0 | $326 | 1.71% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD, SUITE 500 INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $144 | $0 | $144 | 4.40% |
| THOMAS CHRISTOPHER SMITH3 | 798 BERRY ROAD NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87 | $0 | $87 | 2.66% |
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 | 4,675 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,691 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 6,842 | $1.5M |
| Vision | VISION SERVICE PLAN | 2,769 | $351K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,496 | $3.3M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,496 | $3.1M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,496 | $3.1M |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,675 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,842 | — |
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.