| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP LLC | 5005 ROCKSIDE RD INDEPENDENCE, OH 44131 | MEDICAL MUTUAL | $60K | $14K | $74K | 4.96% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD 5TH FLOOR STE 500 INDEPENDENCE, OH 44131 | AMERITAS | $3K | $853 | $4K | 5.07% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE RD 5TH FLOOR STE 500 INDEPENDENCE, OH 44131 | MEDMUTUAL LIFE | $5K | $3K | $7K | 13.26% |
| THE WORKSITE GROUP LLC3 | 1900 POLARIS PARKWAY SUITE 450 COLUMBUS, OH 43240 | GUARDIAN | $560 | — | $560 | 7.84% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | P.O. BOX 318003 CLEVELAND, OH 44131 | GUARDIAN | $373 | $62 | $435 | 6.09% |
| LIFETIME FINANCIAL GROWTH3 | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | GUARDIAN | $4 | — | $4 | 0.06% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP LLC | 5005 ROCKSIDE RD 5TH FLOOR STE 500 INDEPENDENCE, OH 44131 | METLIFE LEGAL PLANS | $219 | $12 | $231 | 5.29% |
| THE WORKSITE GROUP LLC3 | 1900 POLARIS PARKWAY SUITE 450 COLUMBUS, OH 43240 | METLIFE LEGAL PLANS | $220 | $0 | $220 | 5.04% |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL | 140 | $1.5M |
| Dental | AMERITAS | 148 | $80K |
| Vision | AMERITAS | 148 | $80K |
| Life insurance | MEDMUTUAL LIFE | 184 | $54K |
| Short-term disability | MEDMUTUAL LIFE | 184 | $54K |
| Long-term disability | MEDMUTUAL LIFE | 184 | $54K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 22 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.