| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP LLC | 5005 ROCKSIDE RD 5TH FLOOR INDEPENDENCE, OH 44131 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $43K | $43K | 4.84% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP LLC | 5005 ROCKSIDE RD 5TH FLOOR INDEPENDENCE, OH 44131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $1K | $4K | 22.18% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP LLC | 5005 ROCKSIDE RD 5TH FLOOR INDEPENDENCE, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $704 | $10 | $714 | 7.08% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $18 | $9 | $27 | 0.27% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP LLC | 5005 ROCKSIDE RD 5TH FLOOR INDEPENDENCE, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $618 | $10 | $628 | 7.43% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP LLC | 5005 ROCKSIDE RD 5TH FLOOR INDEPENDENCE, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $819 | $10 | $829 | 11.72% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $20 | $10 | $30 | 0.42% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP LLC | 5005 ROCKSIDE RD 5TH FLOOR INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | — |
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 | 414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 414 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $907K |
| Dental | COMMUNITY INSURANCE COMPANY | 0 | $0 |
| Vision | COMMUNITY INSURANCE COMPANY | 0 | $0 |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 414 | $19K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 414 | $19K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 414 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.