| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD 5TH FLOOR, STE 500 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL SERVICES | $47K | $33K | $80K | 3.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST SUITE 200 COLUMBUS, OH 43212 | MEDICAL MUTUAL SERVICES | $16K | — | $16K | 0.65% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 INDEPENDENCE, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $60 | $5K | 3.31% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 INDEPENDENCE, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | — | $71 | $71 | 0.05% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | STE 500 5005 ROCKSIDE RD INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $776 | — | $776 | 6.15% |
| THE MCCLAIN GROUP LLC3 | 526 SCAIFE RD SEWICKLEY HEIGHTS, PA 15143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $776 | — | $776 | 6.15% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | EYEMED | $787 | — | $787 | 9.15% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | STE 500 5005 ROCKSIDE RD INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $721 | $54 | $775 | 11.67% |
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 | 455 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 455 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL SERVICES | 125 | $2.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $150K |
| Vision | EYEMED | 148 | $9K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $150K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 24 | $7K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $150K |
| Stop-loss / reinsurancereinsurance | MEDICAL MUTUAL SERVICES | 125 | $2.4M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.