| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD STE 500 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY | $33K | $3K | $36K | 5.71% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD STE 500 INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.36% |
| WATCHTOWER TECHNOLOGIES INC Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET STE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $501 | — | $501 | 1.40% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD STE 500 INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| WATCHTOWER TECHNOLOGIES INC Filed as: WATCHTOWER TECHNOLOGIES, INC | 227 WEST MONROE STREET SUITE 5200 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $105 | — | $105 | 1.34% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD STE 500 INDEPENDENCE, OH 44131 | ANTHEM LIFE INSURANCE COMPANY | $559 | $178 | $737 | 20.74% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD STE 500 INDEPENDENCE, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $221 | — | $221 | — |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 70 | $630K |
| Dental(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 70 | $630K |
| Vision | COMMUNITY INSURANCE COMPANY | 70 | $630K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 136 | $11K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $36K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 32 | $36K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 31 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.