| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP4 Filed as: FEDELI GROUP INC | 5005 ROCKSIDE RD INDEPENDENCE, OH 44131 | SIDECAR HEALTH INSURANCE COMPANY | $16K | — | $16K | 3.92% |
| THE FEDELI GROUP4 | 5005 ROCKSIDE ROAD STE 500 INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.57% |
| WATCHTOWER TECHNOLOGIES INC4 Filed as: WATCHTOWER TECHNOLOGIES, INC | 306 WEST ERIE STREET STE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $431 | — | $431 | 1.46% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD STE 500 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | 9.29% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD STE 500 INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| WATCHTOWER TECHNOLOGIES INC4 Filed as: WATCHTOWER TECHNOLOGIES, INC. | 306 WEST ERIE STREET STE 300 CHICAGO, IL 60654 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $104 | — | $104 | 1.50% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD STE 500 INDEPENDENCE, OH 44131 | ANTHEM LIFE INSURANCE COMPANY | $626 | — | $626 | 18.31% |
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 | 89 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SIDECAR HEALTH INSURANCE COMPANY | 56 | $428K |
| Dental | COMMUNITY INSURANCE COMPANY | 56 | $23K |
| Vision | COMMUNITY INSURANCE COMPANY | 56 | $23K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 89 | $10K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 25 | $30K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 25 | $30K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 23 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 89 | — |
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.
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.