| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REDTAIL LTD3 | 9999 BREWSTER LANE STE 100 POWELL, OH 43065 | UNITED HEALTHCARE INSURANCE COMPANY | $859 | $30K | $31K | 3.03% |
| REDTAIL LTD3 | 9999 BREWSTER LN STE 100 POWELL, OH 430657573 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $151 | $10K | 9.10% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 PO BOX 318003 CLEVELAND, OH 441316827 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $24 | $24 | 0.02% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 173 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 228 | $112K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 173 | $1.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 228 | $112K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 228 | $112K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 228 | $112K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 173 | $1.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 228 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.