| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FEDELI GROUP6 | 5005 ROCKSIDE RD STE 500 INDEDPENDENCE, OH 44131 | ANTHEM BLUE CROSS BLUE SHEID | $62K | $3K | $65K | 3.39% |
| THE FEDELI GROUP3 | 5005 ROCKSIDE RD STE 500 INDEDPENDENCE, OH 44131 | GUARDIAN LIFE INSURANCE COMPANY | $8K | — | $8K | 11.48% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 200 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.07% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | GUARDIAN LIFE INSURANCE COMPANY | $362 | — | $362 | 0.53% |
| PARADIGM PB LLC3 | 133 BUSINESS PARK DRIVE UTICA, NY 13502 | GUARDIAN LIFE INSURANCE COMPANY | $172 | — | $172 | 0.25% |
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 | 314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS BLUE SHEID | 314 | $1.9M |
| Dental | ANTHEM BLUE CROSS BLUE SHEID | 314 | $1.9M |
| Vision | ANTHEM BLUE CROSS BLUE SHEID | 314 | $1.9M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 221 | $69K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 221 | $69K |
| Prescription drug | ANTHEM BLUE CROSS BLUE SHEID | 314 | $1.9M |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 221 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.