| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC. | P.O. BOX 318003 CLEVELAND, OH 44131 | THE GUARDIAN LIFE INSURANCE COMPANY | $212K | $0 | $212K | 11.43% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY | $28K | $0 | $28K | 1.52% |
| THE WORKSITE GROUP LLC3 | 1900 POLARIS PARKWAY SUITE 450 COLUMBUS, OH 43240 | THE GUARDIAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 0.27% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC. | 5005 ROCKSIDE ROAD, SUITE 500 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL OF OHIO | $158K | $37K | $195K | 14.24% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC. | 5005 ROCKSIDE ROAD 5TH FLOOR INDEPENDENCE, OH 44131 | EYEMED VISION CARE | $5K | $0 | $5K | 4.65% |
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 | 890 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 894 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL OF OHIO | 878 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 1,446 | $1.9M |
| Vision | EYEMED VISION CARE | 1,550 | $110K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 1,446 | $1.9M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 1,446 | $1.9M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 1,446 | $1.9M |
| Prescription drug | MEDICAL MUTUAL OF OHIO | 878 | $1.4M |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL OF OHIO | 878 | $1.4M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 1,446 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,550 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.