| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANTHONY OLIVIERI III3 | 3249 WALES AVE NW MASSILLON, OH 44646 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 4.42% |
| MUTUAL HEALTH SERVICES5 | PO BOX 5700 CLEVELAND, OH 441010700 | MEDICAL MUTUAL SERVICES | — | $201K | $201K | 117.47% |
| THE FEDELI GROUP3 | PO BOX 318003 INDEPENDENCE, OH 441318003 | MEDICAL MUTUAL SERVICES | $42K | — | $42K | 24.71% |
| CONSUMER'S LIFE INSURANCE COMPANY5 | 2060 EAST NINTH ST CLEVELAND, OH 44115 | MEDICAL MUTUAL SERVICES | — | $8K | $8K | 4.89% |
| DENTEMAX5 | — | MEDICAL MUTUAL SERVICES | — | $3K | $3K | 1.55% |
| THE FEDELI GROUP3 Filed as: THE FEDELI GROUP, INC | 5005 ROCKSIDE RD FL 5 CLEVELAND, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 9.35% |
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 | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICAL MUTUAL SERVICES | 405 | $171K |
| Dental | MEDICAL MUTUAL SERVICES | 405 | $171K |
| Vision | MEDICAL MUTUAL SERVICES | 405 | $171K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 416 | $175K |
| Short-term disability | MEDICAL MUTUAL SERVICES | 405 | $171K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 406 | $75K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 416 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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.