| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD STE 500 INDEPENDENCE, OH 44131 | UNITED HEALTHCARE INSURANCE COMPANY | $33K | — | $33K | 7.38% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD STE 500 INDEPENDENCE, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $37 | $1K | 6.65% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD STE 500 INDEPENDENCE, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | — | $77 | $77 | 0.35% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD STE 500 INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $99 | $2K | 15.75% |
| THE FEDELI GROUP3 | PO BOX 318003 INDEPENDENCE, OH 44131 | HARTFORD LIFE AND ACCIDENT | $583 | $17 | $600 | 15.44% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD STE 500 INDEPENDENCE, OH 44131 | STARMOUNT LIFE INSURANCE COMPANY | $277 | $17 | $294 | 12.73% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD STE 500 INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $318 | $16 | $334 | 15.78% |
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 | 139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 76 | $444K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 68 | $22K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 23 | $2K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 139 | $6K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14 | $13K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14 | $13K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 139 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.