| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OHIO INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $61 | $4K | 2.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON MIDWEST INC | 775 YARD ST STE 200 COLUMBUS, OH 43212 | METROPOLITAN LIFE INSURANCE COMPANY | $613 | $2K | $3K | 1.42% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 INDEPENDENCE, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $260 | $1K | 0.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON-CLEVELAND | 93245 NETWORK PLACE CHICAGO, IL 60673 | EYEMED | $1K | — | $1K | 6.62% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE ROAD INDEPENDENCE, OH 44131 | EYEMED | $454 | — | $454 | 2.64% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | STE 500 5005 ROCKSIDE RD INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $130 | — | $130 | 1.29% |
| THE MCCLAIN GROUP LLC3 | 526 SCAIFE RD SEWICKLEY HEIGHTS, PA 15143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $130 | — | $130 | 1.29% |
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 | 546 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 546 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 546 | $183K |
| Vision | EYEMED | 253 | $17K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 546 | $183K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 546 | $183K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 546 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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."
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.