| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 CLEVELAND, OH 44131 | MEDICAL MUTUAL OF OHIO | $12K | $77K | $89K | 13.11% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 CLEVELAND, OH 44131 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $13K | $32K | 8.71% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 CLEVELAND, OH 44131 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | — | $23K | 7.18% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 CLEVELAND, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42K | $6K | $47K | 17.00% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 CLEVELAND, OH 44131 | CONSUMERS LIFE INSURANCE COMPANY | $5K | $3K | $8K | 12.01% |
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 | 2,194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 1,264 | $677K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 907 | $687K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 907 | $324K |
| Life insurance | CONSUMERS LIFE INSURANCE COMPANY | 2,023 | $69K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 483 | $279K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 483 | $279K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 1,264 | $677K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,023 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.