| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 775 YARD ST SUITE 200 COLUMBUS, OH 43212 | MEDICAL MUTUAL SERVICES | $69K | $5K | $74K | 3.59% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 INDPENDENCE, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $36 | $3K | 4.45% |
| THE FEDELI GROUP3 Filed as: FEDELI GROUP INC | STE 500 5005 ROCKSIDE RD INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $358 | — | $358 | 3.18% |
| THE MCCLAIN GROUP LLC3 | 526 SCAIFE RD SEWICKLEY HEIGHTS, PA 15143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $358 | — | $358 | 3.18% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | EYEMED | $1K | — | $1K | 10.75% |
| THE FEDELI GROUP3 Filed as: FEDELI GROUP INC | STE 500 5005 ROCKSIDE RD INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $832 | $62 | $894 | 10.74% |
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 | 512 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL SERVICES | 139 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 512 | $61K |
| Vision | EYEMED | 218 | $10K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 512 | $61K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 36 | $20K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 512 | $61K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 512 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.