| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC. | 5005 ROCKSIDE ROAD SUITE 500 CLEVELAND, OH 441316808 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.41% |
| HKG INSURANCE SOLUTIONS LLC3 | 1228 N 164TH ST OMAHA, NE 68118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $623 | $623 | 0.98% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $307 | $307 | 0.48% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC. | 5005 ROCKSIDE ROAD, SUITE 500 CLEVELAND, OH 441316808 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.07% |
| HKG INSURANCE SOLUTIONS LLC3 | 1228 N 164TH ST OMAHA, NE 68118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $542 | $542 | 1.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $438 | $438 | 0.81% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC. | 5005 ROCKSIDE ROAD SUITE 500 CLEVELAND, OH 441316808 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.48% |
| HKG INSURANCE SOLUTIONS LLC3 | 1228 N 164TH ST OMAHA, NE 68118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $538 | $538 | 1.01% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $438 | $438 | 0.82% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC. | 5005 ROCKSIDE ROAD, SUITE 500 CLEVELAND, OH 441316808 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $914 | — | $914 | 10.00% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC. | 5005 ROCKSIDE ROAD SUITE 500 INDEPENDENCE, OH 44131 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| HKG INSURANCE SOLUTIONS LLC3 | 1228 N 164TH ST OMAHA, NE 68118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $86 | $86 | 1.01% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $72 | $72 | 0.84% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 98 | $64K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 92 | $9K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $62K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $53K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.