| 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 | $17K | — | $17K | 11.81% |
| WATCHTOWER BENEFITS, LLC4 Filed as: WATCHTOWER BENEFITS | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.38% |
| CENTRO BENEFITS RESEARCH LLC4 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.17% |
| THE FEDELI GROUP Filed as: THE FEDELI GROUP INC | 5005 ROCKSIDE RD STE 500 INDEPENDENCE, OH 44131 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $19 | $4K | 5.74% |
| CENTRO BENEFITS RESEARCH LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $735 | $184 | $919 | 1.24% |
| WATCHTOWER BENEFITS, LLC Filed as: WATCHTOWER BENEFITS DBA THREEFLOW | 306 W ERIE ST STE 300 CHICAGO, IL 606543902 | METROPOLITAN LIFE INSURANCE COMPANY | $749 | — | $749 | 1.01% |
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 | 344 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 344 | $74K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 344 | $74K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $141K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $141K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $141K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 155 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.