| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 Filed as: FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 INDEPENDENCE, OH 44131 | SUN LIFE ASSURANCE COMPANY OF | $46K | — | $46K | 5.00% |
| SBR SERVICES LLC3 | 2300 WINDY RIDGE PKWY SE SUITE 6955 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF | $46K | — | $46K | 5.00% |
| THE FEDELI GROUP3 Filed as: FEDELI GROUP INC | PO BOX 318003 CLEVELAND, OH 44131 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 11.60% |
| CENTRO BENEFITS RESEARCH LLC4 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.98% |
| WATCHTOWER BENEFITS, LLC4 Filed as: WATCHTOWER BENEFITS | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $800 | — | $800 | 0.61% |
| THE FEDELI GROUP Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 INDEPENDENCE, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 5.71% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $964 | $3K | 3.93% |
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 | 354 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 354 | $76K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 354 | $76K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 170 | $132K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 170 | $132K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 170 | $132K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF | 126 | $923K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 170 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.