| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD SUITE 500 INDEPENDENCE, OH 441316827 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.89% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE RD SUITE 500 INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $898 | $62 | $960 | 6.36% |
| THE MCCLAIN GROUP LLC3 | PO BOX 882 MCMURRAY, PA 15317 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $898 | — | $898 | 5.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FIDELI GROUP NONE | Insurance agents and brokers Service code 22 | 5005 ROCKSIDE ROAD 5TH FLOOR, SUITE 500 INDEPENDENCE, OH 44131 | $61K |
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 | 137 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 336 | $169K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 336 | $169K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 52 | $15K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 336 | $169K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 336 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.