| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC. | 5005 ROCKSIDE ROAD #500 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY | — | $7K | $7K | 1.11% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC. | 5005 ROCKSIDE ROAD #500 INDEPENDENCE, OH 44131 | ANTHEM LIFE INSURANCE COMPANY | $23K | $0 | $23K | 6.07% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC. | 5005 ROCKSIDE ROAD #500 INDEPENDENCE, OH 44131 | COMMUNITY INSURANCE COMPANY | $8K | $0 | $8K | 4.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing Service code 12 | — | $380K |
| THE FEDELI GROUP INC. | Other commissions; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 5005 ROCKSIDE ROAD 500 INDEPENDENCE, OH 44131 | $74K |
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 | 704 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 704 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 704 | $672K |
| Dental | COMMUNITY INSURANCE COMPANY | 394 | $201K |
| Vision | COMMUNITY INSURANCE COMPANY | 704 | $672K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 673 | $379K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 673 | $379K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 673 | $379K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 704 | $672K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 704 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.