| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP3 Filed as: FEDELI GROUP INC | PO BOX 318003 CLEVELAND, OH 44131 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $14K | 16.84% |
| LIFETIME FINANCIAL GROWTH3 | 24500 CHAGRIN BLVD BEACHWOOD, OH 44122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $306 | — | $306 | 0.38% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 INDEPENDENCE, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $248 | $4K | 6.49% |
| THE FEDELI GROUP3 Filed as: FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 INDEPENDENCE, OH 44131 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.07% |
| THE FEDELI GROUP3 Filed as: FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 INDEPENDENCE, OH 44131 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $164 | — | $164 | 4.72% |
| COURY HEALTH SERVICES LLC3 Filed as: COURY HEALTH SERVICES INC | 301 GRANT ST, STE 300 PITTSBURGH, PA 15219 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $144 | — | $144 | 4.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Other services; Other fees; Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Contract Administrator; Other commissions; Claims processing; Insurance brokerage commissions and fees Service code 12 | C/O ANTHEM 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $203K |
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 | 232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $56K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 251 | $56K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $85K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $81K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $81K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.