| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHONY OLIVIERI III3 Filed as: ANTHONY OLIVIERI | 3249 WALES AVE NW MASSILLON, OH 446461841 | PRINCIPLE LIFE INSURANCE COMPANY | $15K | — | $15K | 8.23% |
| BUSINESS UNDERWRITERS ASSOCIATES3 Filed as: BUSINESS UNDERWRITERS ASSOC AGENCY | 3700 EMBASSY PKWY STE 450 AKRON, OH 443338336 | PRINCIPLE LIFE INSURANCE COMPANY | $5K | — | $5K | 3.02% |
| MUTUAL HEALTH SERVICES5 | PO BOX 5700 CLEVELAND, OH 44101 | MEDICAL MUTUAL SERVICES | — | $191K | $191K | 112.15% |
| THE FEDELI GROUP3 | PO BOX 318003 INDEPENDENCE, OH 44131 | MEDICAL MUTUAL SERVICES | $52K | — | $52K | 30.55% |
| CONSUMERS LIFE INSURANCE COMPANY5 | 2060 EAST NINTH ST CLEVELAND, OH 44115 | MEDICAL MUTUAL SERVICES | — | $8K | $8K | 4.82% |
| DENTEMAX5 | — | MEDICAL MUTUAL SERVICES | — | $3K | $3K | 1.54% |
| THE FEDELI GROUP3 Filed as: THE FIDELI GROUP | 5005 ROCKSIDE RD STE 500 INDEPENDENCE, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 10.00% |
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 | 1,319 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL SERVICES | 396 | $170K |
| Dental | MEDICAL MUTUAL SERVICES | 396 | $170K |
| Vision | MEDICAL MUTUAL SERVICES | 396 | $170K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPLE LIFE INSURANCE COMPANY | 1,319 | $348K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 425 | $56K |
| Other | MEDICAL MUTUAL SERVICES | 396 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,319 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.