| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD 5TH FL INDEPENDENCE, OH 44131 | TOKIO MARINE | $12K | — | $12K | 12.83% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 INDEPENDENCE, OH 44131 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.32% |
| INSURANCE SPECIALISTS LLC3 Filed as: INSURANCE SPECIALISTS GROUP INC | P.O. BOX 1008 CHARDON, OH 44024 | PRINCIPAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE RD STE 500 INDEPENDENCE, OH 44131 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 INDEPENDENCE, OH 44131 | STANDARD INSURANCE COMPANY | $285 | — | $285 | 10.01% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 INDEPENDENCE, OH 44131 | STANDARD INSURANCE COMPANY | $722 | — | $722 | 68.05% |
| INSURANCE SPECIALISTS LLC Filed as: INSURANCE SPECIALISTS GROUP INC | P.O. BOX 1008 CHARDON, OH 44024 | CONSUMERS LIFE INSURANCE COMPANY | — | — | $0 | — |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MERITAIN HEALTH | 120 | $74K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 109 | $57K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 109 | $48K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 190 | $45K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 109 | $45K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 122 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.