| 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 | $78K | $90K | 12.07% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 CLEVELAND, OH 44131 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $14K | $39K | 8.27% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $44K | — | $44K | 11.62% |
| LIFETIME FINANCIAL GROWTH OF N3 | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.35% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 CLEVELAND, OH 44131 | CONSUMERS LIFE INSURANCE COMPANY | $5K | $6K | $11K | 9.44% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 CLEVELAND, OH 44131 | EYEMED VISION CARE | $10K | — | $10K | 9.25% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 CLEVELAND, OH 44131 | AMERICAN UNITED LIFE INSURANCE COMPANY | $23K | — | $23K | 25.00% |
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 | 1,270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 1,304 | $748K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,162 | $471K |
| Vision | EYEMED VISION CARE | 1,592 | $110K |
| Life insurance | CONSUMERS LIFE INSURANCE COMPANY | 2,081 | $119K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 486 | $474K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 486 | $383K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 1,304 | $748K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,081 | — |
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.
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.