| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC. | 5005 ROCKSIDE ROAD FL 5 CLEVELAND, OH 44131 | SUN LIFE FINANCIAL | $66K | $6K | $73K | 16.16% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC. | P.O. BOX 318003 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY | $12K | $10K | $22K | 9.41% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC. | 5005 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | EYEMED | $2K | — | $2K | 4.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Claims processing; Other services Service code 12 | — | $461K |
| THE FEDELI GROUP INC. | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 5005 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | $58K |
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 | 878 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 882 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 488 | $823K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 471 | $238K |
| Vision(2 contracts, 2 carriers) | COMMUNITY INSURANCE COMPANY | 882 | $874K |
| Life insurance | SUN LIFE FINANCIAL | 731 | $449K |
| Short-term disability | SUN LIFE FINANCIAL | 731 | $449K |
| Long-term disability | SUN LIFE FINANCIAL | 731 | $449K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 488 | $823K |
| Other | SUN LIFE FINANCIAL | 731 | $449K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 882 | — |
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.