| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD 5TH FLOOR, SUITE 500 CLEVELAND, OH 44131 | MEDICAL MUTUAL OF OHIO | $23K | $48K | $71K | 7.57% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | PO BOX 318003 CLEVELAND, OH 44131 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 5.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 1.79% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | PO BOX 318003 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $48K | — | $48K | 11.41% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 2.12% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD 5TH FLOOR STE 500 CLEVELAND, OH 44131 | MEDMUTUAL LIFE INSURANCE COMPANY | $6K | $7K | $12K | 9.08% |
| THE FEDELI GROUP3 Filed as: THE FIDELI GROUP | 5005 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | EYEMED VISION CARE BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 5.03% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD 5TH FLOOR INDPENDENCE, OH 44131 | EYEMED VISION CARE BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 4.98% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 CLEVELAND, OH 44131 | AMERICAN UNITED LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
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 | 1,138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,095 | $580K |
| Vision | EYEMED VISION CARE BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,425 | $91K |
| Life insurance | MEDMUTUAL LIFE INSURANCE COMPANY | 2,022 | $133K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $509K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 502 | $425K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 1,166 | $943K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,022 | — |
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.