Fedeli Factor - vol.5 Fall 2015

FEDELIFALL2015 Building Relationships, Solving Problems, Adding Value & NetworkingFACTOR KINDaGiryS PIERRE’S ICE CREAM & MICELI’S DAIRY – THE COMPANIES DRIVING CLEVELAND’S FOOD INDUSTRY plus HYDE PARK RESTAURANT GROUP’S ROAD TO SUCCESS GREAT LAKES SCIENCE CENTER BRINGS SCIENCE ALIVE

FEDELIFACTORFALL 2015 Bu ild ing R ela tio n shi ps, S ol vi n g P robl ems, Addi n g Val u e & Net workingHyde ParkRestaurantGroup 8 Pierre’s Ice Cream and Miceli Dairy Products are longstanding pillars of Cleveland’s food industry. 14features8 ENTREPRENEURSHIP 12 WELLNESS 14 COVER STORY: DAIRY KINGS With the help of The Fedeli Group, Great Lakes Science Center Hyde Park Restaurant Group has Cleveland’s thriving community of food companies supplies stores overcome numerous challenges and restaurants across the country2 u FEDELI FACTOR

U.S. Sen. Rob Portman, former Cleveland 6 The Centers for 24 Browns quarterback Bernie Kosar and Families and Children U.S Rep. Paul Ryan and Umberto Fedeli at a fundraiser at Fedeli’s home HOW TO REACH US:departments Phone: (216) 328-8080 / Toll Free: (800) 837-7191 Crowne Centre, 5005 Rockside Road, Fifth Floor4 RELATIONSHIP BUILDER What makes a real rainmaker? Independence, OH 44131 [email protected] MAKING INTRODUCTIONS Published by SBN Interactive, The Fedeli Group helps clients connect to take their 835 Sharon Drive, Suite 200, Westlake, OH 44145 businesses to the next level (440) 250-7000 www.sbninteractive.com10 RISK MANAGEMENT Understanding 831(b) captives and what they can do Publisher: Michael Marzec Editor: Todd Shryock for your business Associate Editors: Erik Cassano, David Searls Art Director: Stacy Vickroy20 BEST PRACTICES Project Manager: Erin Walker These simple rules can improve your overall experience Cover photography: Jeff Downie Food styling: Christine Rice22 GIVING BACK Cleveland Clinic Children’s Gala24 COMMUNITY INVOLVEMENT How The Centers for Families and Children is having a positive impact26 COMMUNITY INVOLVEMENT Emerald Hospitality relies on The Fedeli Group to deliver excellent employee benefits27 IN THE KITCHEN: WITH MAMA LUCIA AND LORRY FEDELI The Fedeli Group serves up whole wheat penne pasta with kale, spinach, basil and lemon www.thefedeligroup.com u 3

Relationship Builder: Umberto FedeliWhat makes a real rainmaker?A special combination of charisma, passion and confidence Rainmakers are considered go-to people who attract new RAINMAKERS ARE PASSIONATE AND WILL DO friends, clients and business opportunities. Rainmakers tend WHAT’S NECESSARY TO PROMOTE THEIR BUSINESS to be very good at building solid relationships, solving others’ OR ORGANIZATION, EVEN IF IT MEANS STEPPING problems and adding significant value in the process. They OUTSIDE THEIR COMFORT ZONE. have a natural ability to be excellent networkers and are very good at exchanging information, ideas and resources. seem to possess the ability to offer different perspectives and guidance. They are genuine people and balance their Rainmakers become valuable and indispensable and tremendous confidence with a sense of humility. They are in high demand because of their resourcefulness and have a positive interest in seeing other people succeed and performance. They have a remarkable capacity to make accomplish their goals. significant contributions, and they achieve results. In the process, they demonstrate their unique talent to be A rainmaker’s integrity is beyond reproach and is influential, and they have the opportunity to become incredibly reliable, resourceful and respected. Rainmakers financially successful. have a unique way of motivating and inspiring people, and they have the ability to transfer various emotions, including Rainmakers are passionate and will do what’s necessary compassion and enthusiasm. They find enjoyment in doing to promote their business or organization, even if it means good deeds and are in high demand from their political and stepping outside their comfort zone. They have the special business leaders, community and charitable organizations. ability to get people to like and trust them. People want to be The drawback is that the significant requests for their around them because they have superstar status in their field. assistance can get overwhelming, and if not balanced, can cause them to get worn out, exhausted and frustrated. Are they born this way? What is it that makes them incredibly attractive or desirable? Rainmakers tend to have a Rainmakers tend to underpromise and overdeliver. They very charismatic, dynamic and genuine passion about what follow up and follow through, exceed expectations and tend they do and how they do it. The also have an innate skill to have an incredible talent to execute many projects at the to be able to share what they know, who they know and same time. They love to help others and, in the process, how they can help. People are attracted to a rainmaker’s become successful. natural enthusiasm, drawing power and ability to build relationships, as well as the aptitude to add value and solve Rainmakers are an intricate part of the magic in a problems. Rainmakers tend to be very good at following up, community. They are invaluable to their organizations, following through, executing and getting results. They not industry, associates and clients, as well as their community only know how to collect the dots (relationships), but they and charitable causes, and in the political arena. To know a are usually adept at connecting the dots by working through rainmaker is a valuable asset, to be a rainmaker, a legacy. people, with people and achieving results for people. Umberto P. Fedeli, Rainmakers really view life as a win-win situation. They President and CEO of The Fedeli Group have an impressive network of contacts and relationships, and they consistently work on mutually beneficial results for all parties. They are also highly strategic at identifying the appropriate network partners who look for an opportunity to work with them. Rainmakers naturally understand the law of reciprocity. Reciprocation is an important way of life for a rainmaker. Through being consistent, success in business and life inevitably finds them. People tend to seek the advice of a rainmaker. Rainmakers retain remarkable wisdom and4 u FEDELI FACTOR

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Making IntroductionsGetting connectedAt The Fedeli Group, we do more than risk management, employee benefits and helpour clients buy insurance. We help you exchange information, ideas and resourceswith people who can help take your business to the next level.Umberto Fedeli sharing lessons on leadership,service and networking with Brutus Buckeye and the2015 Buckeye Bus at a luncheon at The Fedeli Group Ray “Boom Boom” Mancini, Nick Fedeli and Bernie Kosar at the BJ Alan Fireworks outing6 u FEDELI FACTOR

Making Introductions U.S. Sen. Rob Portman, Stewart Kohl, co-CEO of The Riverside Co. and U.S. Rep. Paul Ryan at an event at Umberto Fedeli’s homeU.S. Sen. Rob Portman, Bernie Kosar, U.S. Rep. Paul Ryan and U.S. Sen. Rob Portman, Parker HannifinUmberto Fedeli at an event at Fedeli’s home chairman and former CEO Don Washkewicz and his wife, Pam, and U.S. Rep. Paul Ryan at an event at Umberto Fedeli’s home An employee longevity appreciation luncheon, with Fedeli associates celebrating more than 15 years of service at The Fedeli Group www.thefedeligroup.com u 7

EntrepreneurshipFull PLATEWith the help of The Fedeli Group, Hyde Park RestaurantGroup has overcome numerous challenges Like many successful businesses, restaurant, but with much more of a fine- PHOTOS COURTESY OF HYDE PARK RESTAURANT GROUP Hyde Park Restaurant Group dining atmosphere.” was born out of a gap in the marketplace. There was no such restaurant in In 1988, co-founders Joe Northeast Ohio, let alone a restaurant chain. Saccone and Rick Hauck were looking Saccone and Hauck saw their opportunity for a broach point to enter the full-service and opened the first Hyde Park Steakhouse restaurant space. Through their market in Cleveland Heights in 1988. research, they noticed a lack of fine-dining steakhouses in the Cleveland area. “We were becoming part of a national trend, with the revival of the traditional, “Historically, steakhouses were New York-style steakhouses that were independent, single-location popular in the 1930s and ’40s,” Saccone establishments that become known in one says. “We saw the success that other neighborhood or one city,” Hauck says. companies were having with the concept “In the early-to-mid ’80s, some restaurant in other cities, so we figured, why shouldn’t groups began taking their steakhouse Cleveland have one?” concepts and expanding them on a regional and national level, like a burger or chicken Saccone and Hauck opened a second Hyde Park in Columbus later that year. With the success of the first two restaurants, the brand’s popularity began to skyrocket, opening the door for more locations and, over time, more restaurant concepts. And during that time and still today, The Fedeli Group has been a key partner for the organization. “They have always done a great job of looking out for us,” Hauck says. And with that support, Hyde Park Restaurant Group will continue to grow.8 u FEDELI FACTOR

“We’re always looking for new delayed by two of the coldest and snowiest “You take a look at what isn’t there, whatopportunities to continue growing the winters to hit the Cleveland area in recent the market is really missing,” Saccone says.business,” Hauck says. “We grow very decades, but after 20 months, with the “That’s how we branched out from thecarefully, but if the right location is support of The Fedeli Group, the rebuilt traditional steakhouse concept and startedthere and it makes sense for us, we’ll try Jekyll’s opened this past May. Black Point. There was a vacuum in theto capitalize on the opportunity. That high-end seafood market in that part ofapproach has served us very well for more “Since then, we’ve been stepping up Columbus.”than a quarter-century.” our efforts even more with The Fedeli Group to ensure that we’re covered in the And through it all, Fedeli is keepingAN ENTREPRENEURIAL MINDSET event of a catastrophe like what happened watch over the details, so Saccone and to Jekyll’s,” Saccone says. “A fire, flood, Hauck can keep doing what they do best.Although Hyde Park has grown into a large, tornado — any type of natural disastermultistate restaurant management company can happen to a business, and you always “They are true professionals, and theyover the past 27 years, Saccone and Hauck need to be sure you’re prepared for the bring all the resources you could ask for,”still maintain an entrepreneurial culture that unexpected. The Fedeli Group has been Saccone says. “The Fedeli Group will bringvalues agility, adaptability and opportunism. working with us on that and it gives us experts to your office to break down a policy,It’s a big factor in how they’ve been able peace of mind to know we have someone where you might need more coverage andto quickly pounce on new restaurant looking out for us in that way, making sure where you might have too much coverage.opportunities as they’re discovered. we’re covered no matter the situation.” They truly eat, sleep and breathe this stuff, and that’s important, because insurance But although the organization has “The Fedeli Group also worked with policies are complicated. As a business owner,maintained the entrepreneurial mindset that us to get flood insurance for Jekyll’s at no you don’t have time to read and understand ithas served it so well for so long, Hyde Park extra cost,” Hauck says. “That’s important, all. That’s what the folks at Fedeli do for us,has also grown into a large company, with particularly at that location, where we’re and they’re very good at it.” v700 employees. That means Saccone and right on the river bank.”Hauck need to pair small-company agility HYDE PARK RESTAURANTwith big-company support and resources. PREPARING FOR THE FUTURE GROUP RESTAURANTS To gain that support, Hyde Park has With a strong support base that includes Hyde Park Prime Steakhouse:partnered with The Fedeli Group. As Hyde The Fedeli Group, Hyde Park is well Cleveland, Columbus, Akron, Dublin,Park’s insurance advisor, The Fedeli Group prepared for future growth — and present Upper Arlington, Worthington,helps keep an eye on the insurance coverage growth, like the launch of Stack City, which Pittsburgh, Daytona Beach,details of the company so Saccone and opened in downtown Columbus the first Sarasota, Westlake, Beachwood,Hauck can focus on growing the business. week of August. Birmingham, Michigan; opening in Indianapolis in 2016 In addition to the company’s restaurant Stack City joins Eleven as one of Black Point: A seafood and steakholdings, Hyde Park also invests in Hyde Park’s casual restaurant concepts in grill, Columbushotel properties. In one case, The Fedeli the Columbus market, and the addition Eleven: A small plates restaurantGroup discovered duplicate coverage on completes the occupation of an entire block and cocktail bar, Columbusa restaurant located in a hotel complex of North High Street with restaurants Stack City: A burger bar, Columbusin Beachwood. Hyde Park owned the owned by Saccone and Hauck. In addition ML Tavern: Moreland Hillsrestaurant and was an investor in the larger to Stack City and Eleven, the block also Jekyll’s Kitchen: Chagrin Falls,hotel property. contains Black Point and the downtown which recently reopened, with the Columbus Hyde Park Steakhouse location. help of The Fedeli Group, after a “The Fedeli Group did a routine review 2013 fireof our insurance at the property and found Whether customers are looking for athat the hotel’s policy covered a lot of the night out or a quick, casual bite to eat, Hydesame things that the restaurant policy Park has a variety of dining options withincovered,” Hauck says. “We were spending steps of one another.money we didn’t need to spend. The FedeliGroup really went out of their way to look “The space became available and we beganout for our best interests. To me, that’s how looking at different concepts that could goyou know you have a partner, not just a in there,” Saccone says. “Burger bars havecompany trying to sell you services.” become a big part of this fast-casual and sit- down casual trend across the country. Casual, The importance of having a strong but still with a classy feel. That’s why weinsurance advisory partner hit home for settled on a burger bar concept.”Saccone and Hauck in 2013, when firegutted the building that housed one of their Saccone and Hauck continually go backproperties, Jekyll’s Kitchen, in Chagrin to the strategy that launched Hyde Park inFalls. The reconstruction project was the first place — finding the holes in the marketplace and filling them. www.thefedeligroup.com u 9

Risk Management Understanding 831(b)captives and what they can do for your business By Howard Danziger, Ed Kraine and Tim MoroneyLegislation passed by Congress each entity operates independently of the properly structured captive insurance allows for the creation of other, except for the exchange of risk and company that meets the requirements of 831(b) captives, with the goal premium. Section 831(b) can provide considerable of encouraging the formation advantages. For example, the premiums of new insurance companies It makes sense to consider a captive when paid to the captive for insurance coverageand creating competition in the insurance your company has: are 100 percent tax deductible as ordinarymarket for smaller companies. and necessary business expenses. In 1. A minimum of $400,000 in annual addition, a captive that makes a Section The legislation, known as the small insurance premiums 831(b) election to be treated as a smallcaptive election, provides incentives for insurance company and that otherwiseprivately and closely held businesses to 2. Positive cash flow supporting a meets the requirements of Section 831(b)utilize captives to fund for uninsured or minimum of $500,000 per year can receive up to $1.2 million in premiumsdifficult-to-insure risks. Forming a captive contribution to the captive tax-free. (Bills pending in the U.S. Houseis a long-term philosophy to managing risk. and U.S. Senate would increase that 3. A strong safety and loss prevention amount to $2.2 million.) The net result A business forms a captive insurance culture is a reduction of the taxable income ofcompany to insure the risks of its related the captive’s affiliated operating companyor affiliated businesses. There must be 4. A good loss history by the amount of its annual premiuman arms-length relationship between the 5. The ability and desire to retain risk payments to the captive, up to the $1.2insurance company and an operating million limit each year. Further, when abusiness whose risks it is underwriting, and When a captive elects to operate under claim is paid to an insured from a captive IRC 831(b), it pays no tax on operating insurance company, such as reimbursement income, only on investment income. A for a fire or windstorm damage, the proceeds are not taxable under IRS rules. The operating income of the captive insurance company is returned to its owner’s qualified dividends or long-term capital gains and taxed as such. A captive can be an important part of a company’s advanced insurance and risk management strategy. A properly structured and managed captive insurance company can provide a number of benefits. • Funding for higher deductibles within your existing insurance program • Broadened policy terms • Premium flexibility • The ability to stabilize insurance expenditures10 u FEDELI FACTOR

• Negotiation leverage against commercial A captive can be an important part of insurance companies a company’s advanced insurance and risk management strategy.• Increased control of the claims management process• Recapture of underwriting profits• Wealth preservation and accumulation tool• Wealth transfer tool• Estate planning strategy For the past 50 years, large corporations There is contractual separation of your studies, financial projections, domicilehave realized the advanced risk management operations, but they are commingled choice and approval by domicile regulatorsbenefits from operating their own captive with the owner’s. of your application for an insurance license.insurance companies. Most captives • Protected cell captives. This is a formwere established to provide coverage of rent-a-captive in which assets and Through a risk management auditwhere insurance was either unavailable or liabilities can be segregated among unique process, we are able to analyze yourpremiums were uneconomical. The risk cells, separate and apart from each other, exposures and coverages to determine howmanagement benefits of these captives were as well as from their overall protected a captive might fit within your program.significant, but their tax advantages were cell company. Under this form, legal There are three steps to the formationalso important. separation exists to protect your assets. process. • Group captive. This is a very popular With 831(b) captives, privately and form of a captive used for many years 1. Pre-feasibility studyclose held businesses now have the same to insure risk and differs from a 831(b) 2. Actuarial or feasibility studyopportunity to realize the benefits of a captive for the following reasons. 3. Insurance company licensingcaptive insurance company. The IRS has formulated safe harbor rules to regulate – In a group captive, you are a There are at least 55 on- and off-captives while reserving the right to evaluate participant and an insured, but not shore domiciles with captive insurancethe captive insurance arrangements based an owner, whereas in an 831(b) regulations. The correct choice for you willon their individual facts and circumstances. captive, your level of control is much depend upon a variety of factors, includingIn addition, the captive advisory industry greater. size and type of captive, complexityhas developed specialized expertise to – In a group captive, there are protocols of risk to be insured, 831(b) election,manage smaller captives. that must be met, which are set by inclusion of ERISA benefits, domicile the owner of the captive and may be regulatory requirements, domicile financial Although captives present an opportunity objectionable to you. requirements, quality of local professionalfor financial gain and other benefits, there – In a group captive, you are buying service and supporting infrastructure.is a risk of losses, too. Understanding this product and services from an outsidepotential exposure is critical when choosing owner, whereas in a 831(b) captive, Formation costs will be from $50,000 toto form a captive insurance company. you specify and own the products and $90,000, while operating costs can run from services and decide what risks to insure. $40,000 to $100,000 per year. There are several forms of captive – In a group captive, you have specifiedinsurance companies from which to choose. risk sharing with others in the group, It is very important to engage a qualifiedEach serves a specific purpose, and more whereas in an 831(b) captive, you planning team, particularly in the formativethan one type may provide a solution based “find” a homogenous or heterogeneous stages. We have the expertise to helpon a business’s unique circumstances. The group and share a low percentage of guide you from the feasibility study to themost popular forms are: risk with them or share risk with your operation of a captive and are prepared to• Single-parent captives. These are own group of entities. help you determine if this approach would be beneficial to your company. v formed primarily to insure the risks of FORMING A CAPTIVE a business’s parent or affiliates. You are Howard Danziger, Ed Kraine and the sole owner and participant, providing The process for the formation of a captive Tim Moroney work on the design and total control over operations. insurance company includes feasibility implementation of captive programs for• Rent-a-captives. This captive provides The Fedeli Group. If you have questions its facilities to others for a fee. You pay a about 831(b) captives, contact them at fee to use the captive but do not have the (216) 328-8080. startup and ongoing operational costs. www.thefedeligroup.com u 11

Wellness Partners in DISCOVERY Great Lakes Science Center and The Fedeli Group team up for outstanding resultsMind-expanding displays, “We’re the first facility to have this “They’re awesome. They really are PHOTOS COURTESY OF GREAT LAKES SCIENCE CENTER hands-on challenges and exhibit outside of New York,” says Allen. awesome,” says Science Center Human camps with a focus on “It began in conjunction with the 40th Resource Director Renee Jones in science and engineering anniversary of Rubik’s Cube. Even the describing her relationship with The Fedeli help young Greater youngest kids can enjoy it. It’s colorful, full Group. “I’ve worked with many insuranceClevelanders have fun while getting a of movement — and it’s the world’s most brokers, but I think they’re the best. If IScience, Technology, Engineering and Math famous puzzle toy. What’s not to love?” have a problem with any of my carriers, I(STEM) education at the Great Lakes can always go straight to my Fedeli GroupScience Center. AWESOME SUPPORT representative and get it resolved. They’re always there for us, they keep us informed Cleveland’s Great Lakes Science Center The Fedeli Group assists the Great Lakes and help us get the best possible rates. Andis a leading informal provider of the critical Science Center with employee benefits they always have staff available and ready toSTEM education, and through it all, The program so that the 45 to 50 full-time assist whenever we need it.”Fedeli Group provides the expertise the staffer who work there can continue tocenter requires to provide benefits that make the magic happen. Because employee benefits is such aattract top talent to deliver on the mission. “Our mission is to bring STEM alive,”says Sue Allen, vice president of marketingand communications for the Science Center. They do that by hosting families onweekend explorations and welcomingmiddle school students on field trips ofdiscovery. Science Center activities anddisplays motivate interest in today’s leading-edge technologies that lead to the jobs andadventures of tomorrow. It’s a memorabledestination for even the youngest kids, aswell as for their parents and grandparents. “Even preschoolers are much moreadvanced today than we were when itcomes to computers, touch screens anddigitization,” says Allen. “That’s why theyget so much out of the exhibits, althoughour primary audience is grade-schoolers tohigh school age.” The exhibits and displays at the GreatLakes Science Center are constantlychanging. That’s part of the sense of wonderthe place evokes in visitors. For example, Beyond Rubik’s Cube willrun throughout the summer months.12 u FEDELI FACTOR

complex and ever-changing topic, Jones Kim Stikatreasures the educational resources she gets,especially the seminars and workshops Account executiveoffered by The Fedeli Group, which she Benefits Divisionalways attends. The Fedeli Group “At these half-day events, we learn about (216) 643-6968the latest developments in health care and [email protected]’s happening with rates, and we leavewith a printed resource guide,” she says. Kim Stika serves as an account executive on our large public and private“I also get a Fedeli Group newsletter that accounts with more diverse benefit programs, assessing the needs of eachkeeps me informed between seminars.” individual client to ensure we are providing world-class service. Kim came to The Fedeli Group in 2007 with an extensive background in both When she needs more immediate help, large and small group multi-funded plans. With a firm understanding ofshe knows that all she has to do is pick up the challenges that face employers today, Kim makes it a priority to ensurethe phone and talk to her representative. that clients fully understand the ever-changing Affordable Care Act and how it affects their plans and their business. Kim’s most important priority One example of the valuable input she is making sure that we meet and exceed our clients’ expectations to build areceives is the Situational Assessment. long-term partnership.The Fedeli Group provided Jones aSituational Assessment to help her chart Kim obtained her bachelor’s degree in business administration, specializingher way through the complicated and often in marketing, from Cleveland State University. Her hobbies include sportsconfusing Affordable Care Act. with her daughter, golf and traveling. “We had to see what the coverage Expertise:situation would be like for part-timers, and • Medical, dental and vision benefitsThe Fedeli Group advised us and made sure • Life and disability insurancewe knew exactly who was benefit-eligible,” • Worksite benefitsshe says. “As a result of The Fedeli Group’s • Business travel medical insuranceassessment, we converted one part-timestaffer to full time and got a more thorough years have included, among others, Sam’s insurance carriers to discuss their programs,understanding of how the act impacted our Club and the pharmacy at Giant Eagle, a and the vendors have prize giveaways andorganization.” chiropractor with a massage chair who gives raffles and hand out healthy snacks.” mini-massages, the Downtown Recreation The Fedeli Group also helped the Science Center at Cleveland State University and As the Great Lakes Science CenterCenter start and continue to run an annual the Science Center’s own credit union. continues to evolve and provide Northeasthealth and wellness event that’s proven to Ohio residents with new discoveries, Thebe particularly popular with the staff. “Our employees really enjoy it,” says Fedeli Group will be there to help safeguard Jones. “They learn a lot, but it’s also fun for the health and wellbeing of those who “We started our employee health and them. They can meet face to face with our provide the wonder and adventure. vwellness fair four years ago. The FedeliGroup put us in touch with their vendors www.thefedeligroup.com u 13and got our insurance carriers involved,”says Jones. “They sent out invites andhelped us set up the event, and they’vehelped me put it together every year since.” The Science Center’s benefits providers,Medical Mutual of Ohio, MetLife andThe Standard (providers of life insuranceand disability plans for the Science Center)attend the September event to provideinformation and answer coverage questions.Additional vendors over the last few

Pierre’s Ice Creamand Miceli DairyProducts arelongstanding pillarsof Cleveland’s foodindustry.14 u FEDELI FACTOR

COVER STORY // Pierre’s Ice Cream & Miceli Dairy Products Co. Cleveland’s thriving community of food companies supplies stores and restaurants Hungry for across the country By Erik Cassano SUCCESSPHOTOS BY JEFF DOWNIE / FOOD STYLING BY CHRISTINE RICE Cleveland has become a food town. providing locally sourced ingredients for the More specifically, it has become a area’s restaurants. chef town. Nationally and internationally In some cases, Cleveland’s food suppliers recognized chefs such as Michael Symon, operate in relative anonymity, producing Zack Bruell, Jonathon Sawyer and Rocco food products for other companies’ brands. Whalen have turned Cleveland into a In other cases, their brands are ubiquitous, foodie’s paradise, peppering the town’s stocked in every dairy case, freezer and aisle revitalized cityscape with innovative shelf at the local supermarket. restaurant concepts. Pierre’s Ice Cream and Miceli Dairy The city’s roster of all-star chefs garners Products Co. are two of the longstanding most of the headlines — and deservedly pillars of Cleveland’s food industry, so. But there is another layer to Cleveland’s supplying supermarkets, restaurants, heritage as a food city, a layer that helps prepared-food manufacturers and other support virtually every local eatery — customers with essential ingredients, stock whether it’s one of the cutting-edge and menu items. establishments in Tremont and Ohio City, or a neighborhood hangout. Pierre’s and Miceli’s have succeeded because they’ve built a plan and stuck to it. For decades, family-owned food It’s a testament to the companies’ family- businesses have served as the backbone of based continuity innovation, and a belief in Cleveland’s food industry, in many cases the talents and abilities of their employees. Through it all, The Fedeli Group has been www.thefedeligroup.com u 15

COVER STORY // Pierre’s Ice Cream & Miceli Dairy Products Co.there to assist them as needed, relying on its those beginnings, Pierre’s has grown into a Pierre’s hasn’t flourished for 80 years by PHOTOS COURTESY OF PIERRE’S ICE CREAMown family values to help two Cleveland- regionwide success story by doing one thing distributing into just one market.based icons achieve their next level of in particular: listening to its customers.growth. Most famously, the company has co- “Any business is going to go through branded itself with the Cleveland Indians,PIERRE’S ICE CREAM various evolutions when it’s been around for with several stints as the club’s official ice 80-plus years,” says Shelley Roth, president cream since Progressive Field opened inIf you grew up in the Cleveland area, you of Pierre’s. “But we’ve always been intent on 1994.likely associate Pierre’s with the ice cream putting out the best possible products andaisle at the supermarket. Every bank of delighting our customers with new products “We’ve been the official ice cream atglass-door freezers at every grocery store and flavors.” the ballpark most years since it opened,”had — and still has — Pierre’s, in all of its Roth says. “We’ve worked on some greatflavors and forms. What the average ice cream-consuming ideas with the team. Most recently, we’ve Clevelander might not know, however, packaged our Pierre’s premium mix for use But that didn’t happen overnight. Pierre’s is that Pierre’s distribution footprint in their soft-serve machines. By adding that,was founded in 1932 as a small ice cream reaches far beyond the frozen food we’re now covering almost all of their iceshop at the corner of East 82nd Street and aisle. The public largely knows Pierre’s cream selection at the ballpark.”Euclid Avenue, on the edge of what is now on a quart-by-quart basis, available inCleveland’s Midtown neighborhood. From the supermarket to enjoy at home. But Pierre’s also has a thriving business supplying restaurants, which goes far16 u FEDELI FACTOR

Pierre’s Sales Merchandiser James Austin provides sales and merchandising services to stores that feature Pierre’s.beyond the standard chocolate and vanilla. manufacturers have seen an increasing different from the ice cream shop that satNot only does Pierre’s supply many area demand for new flavors and higher-end there in the 1930s. Pierre’s is known for itsrestaurants, the company is working with specialty ice creams, and Roth says Pierre’s local presence in and around Cleveland, butlocal chefs and restauranteurs to develop will continue to diversify its product its operation is much larger than that.new flavors for its rapidly expanding selection, with an emphasis on growing itspremium ice cream lines. premium ice cream lines. In addition to selling products under the Pierre’s name in northern Ohio, Pierre’s “We’ve launched a line called “Pierre’s “A lot of what we develop is a reaction also manufactures ice cream for private-Signature,” which has allowed us to develop to what our customers are telling us label customers around the country. Thesome fun, unique flavors, combinations we through their feedback,” Roth says. “We company’s production facility is a nervehadn’t explored before,” Roth says. “We are always aiming to delight our existing center for a national operation that producesstarted working with Steve Schimoler, from customers and at the same time introduce numerous product lines, staffed by nearlyCrop Bistro and Bar in Ohio City, along new customers to our brand. Listening to 100 people.with some of the other chefs this town has what they’re telling us is a very importantbecome known for. It’s been an amazing ingredient in continuing our growth and With such a large operation, Pierre’s hasexperience collaborating with them to come success.” relied on The Fedeli Group as an insuranceup with these new flavors.” advisory partner. Roth says Pierre’s Pierre’s still occupies the corner of East values The Fedeli Group not just for the Over the past several decades, ice cream 82nd and Euclid, but the operation is much knowledge it offers but also for the level of support. Knowing a lot about insurance is“We’ve always been intent on putting out one thing, but utilizing that knowledge tothe best possible products and delighting benefit clients is another.our customers with new products andflavors.” “They are always thinking about their clients, and that’s one thing that has always – Shelley Roth really stuck out to us,” Roth says. “If you run President, Pierre’s Ice Cream a business, you should understand how hard it is to get a customer, and then how hard it is to keep that customer when competition is so fierce. A lot of companies don’t get that, though. They get the customer signed up, and then the attention drops off. The company starts taking the customer for www.thefedeligroup.com u 17

COVER STORY // Pierre’s Ice Cream & Miceli Dairy Products Co. granted. But that’s never been the case with In 1949, Miceli purchased a plant on PHOTOS COURTESY OF MICELI DAIRY PRODUCTS CO. The Fedeli Group.” East 90th Street in Cleveland, giving his company the space necessary to eventually Roth says The Fedeli Group is always expand into a national operation. just a phone call away when Pierre’s has questions. The Fedeli Group even checks in Today, Miceli’s is led by its second periodically without prompting, just to see and third generations. Vice President of if Pierre’s leaders need any guidance. Corporate Administration Jonathan Miceli is John Miceli’s grandson, and the son “They have the same philosophy on of CEO Joseph Miceli. Vice President customer service that we do,” Roth says. of Procurement Dominic DiSanto is “They don’t just give minimal service after Jonathan’s cousin, and also the grandson of landing an account. We’ve been with them John. for years, and they have always maintained a high level of service. The Fedeli Group “The business has grown steadily over has been an integral part of getting us to the years, to the point that we now sell where we are, and they’ll continue to be an to consumers, restaurants and even the important part of our future.” U.S. government’s school lunch program,” Jonathan Miceli says. “We now produce well MICELI DAIRY PRODUCTS CO. over 50 million pounds of cheese per year.” Miceli Dairy Products Co. grew up on From the initial ricotta and mozzarella a Newbury Township farm in Geauga products, Miceli’s has expanded into many County. The core product of the Miceli varieties of cheeses, including lines of dairy operation was initially milk, with the provolone, fat-free and reduced-fat cheeses, cheese business developing as an offshoot. nearly 20 varieties of ricotta and varieties But after his milk bottler halted production of mozzarella that range from string cheese due to a strike in the late 1940s, founder to custom-shredded varieties for large John Miceli turned his attention to cheese customers. — in particular, ricotta and mozzarella, two mainstays of Italian cuisine. Large-scale commercial and government operations make up the fastest-growing18 u FEDELI FACTOR

“Whether it’s in our production processes, or processes, or improving the product itself,improving the product itself, like working with like working with the flavor of a particularthe flavor of a particular cheese, we’re always cheese, we’re always trying to get better. Justtrying to get better.” because we’ve been in business for almost 100 years doesn’t mean there still aren’t – Jonathan Miceli, things to learn.” Vice President of Corporate Administration, For close to 20 years, The Fedeli Group has worked with Miceli’s as the company’s Miceli Dairy Products Co. insurance adviser. Having a reliable insurance advisory partner is critical for amarket segment for Miceli’s. They remain committed to soliciting and company like Miceli’s. “We originally grew on the strength of utilizing customer feedback to enhance the business. “We employ 170 people, and we haveour sales into the retail market,” Miceli says. a lot of machinery and storage space, so“But over the past 15 years, we’ve been able “We’ve spent decades following the there’s a lot to insure,” Miceli says. “Weto find some growth potential in the large trends of what the country is doing, and need someone like Fedeli to help us managecommercial and industrial areas, selling it’s allowed us to be responsive to what our our insurance costs. We know they’re going30-pound bags of ricotta and large blocks customers want,” DiSanto says. “You look to bring a lot of experience to the table andof mozzarella. Those quantities are sold to back maybe 50 or 60 years ago, most meals pay attention to all the details.”companies like frozen food manufacturers were cooked from scratch at home. Thenfor end use in heat-and-serve meals.” there was a movement toward two-income No matter the situation, The Fedeli households and families looking for quicker Group has been on top of things, The company also sells higher-end meal solutions. Now, there’s been more of responding to any situation Miceli’sspecialty cheeses into the restaurant market, a trend back toward cooking at home, but encounters.supplying local and regional restaurants more for pleasure than necessity. Thosewith an assortment of products. types of customers usually look for the “A great example is that we recently had higher-end ingredients.” a pretty severe roof leak after a rainstorm,” “The higher-end products are a bit Miceli says. “It was right above sometrickier to make, but as we’ve seen with the The family members currently involved expensive machinery, and it did some prettyrevitalization of the local restaurant scene with Miceli’s — 12 in all — take an active bad damage. We needed to make repairshere in Cleveland, there is a market for role in customer feedback, and utilizing that in a hurry, and The Fedeli Group wasspecialty and premium, locally produced in sales, marketing and R&D. The time and right there, guiding us through the process,ingredients,” Miceli says. “That market has effort spent have produced results. making sure that area was back up andallowed us the chance to grow in a bit of a running as soon as possible.different direction.” “Our cheeses have won awards at national contests, and we’re always trying “That’s the type of partner you want But retail and consumer sales will always to come up with new innovations,” Miceli when you’re in business. Lost time is lostmake up a major portion of Miceli’s sales, says. “Whether it’s in our production money, and perhaps lost customers. Weand the Miceli family hasn’t forgotten that. can’t have that, and The Fedeli Group understands what we need in terms of support so that we can keep producing our products and pleasing our customers.” v www.thefedeligroup.com u 19

Best Practices Claims resolution INSIGHTS Following simple rules can improve your overall claims experienceSubmitting an insurance claim “Most communication can be a frustrating and should start with the confusing process, taking many company managers out of their claims adjustor, because comfort zone. But that doesn’t that’s the person withneed to be the case, says Jim DeLuca,director of claims at The Fedeli Group, the authorization and theand Deb Miller, claims manager. The checkbook.”process toward successful claims resolutioncan be simplified and made more positive – Deb Millerby following a few simple guidelines. Claims managerENGAGE AN EXPERIENCED BROKER OR UNDERSTAND YOUR COVERAGE “Most communication should start withCONSULTANT WITH CLAIMS MANAGEMENT the claims adjustor, because that’s the personRESOURCES WHO WILL SERVE AS AN The more you know about your coverage, with the authorization and the checkbook,”ADVOCATE the more empowered you’ll be when making says Miller. “But clients can call me, as the an insurance claim. Read your insurance claims manager, if they don’t feel that theUnless your company is in the insurance policy carefully before you have a claim. The communication is going appropriately, andbusiness, you probably don’t know that much Fedeli Group acts as an important resource I’ll get involved.”about the claims submission process. That’s in this regard, as your Fedeli representativeunderstandable, and it’s why you need to hire will carefully explain your benefits, limits, The Fedeli Group makes it easy toa broker who knows insurance policy terms exclusions and the claims reporting process communicate with its claims team via phone,inside and out. upfront. by email or online access through The Fedeli Group website. “Our primary goal is advocacy,” says “If you have any questions or are confusedDeLuca. “We use our leverage on behalf of by any of the terms, don’t hesitate to ask,” EXPECT EXEMPLARY SERVICEour clients. We understand the insurance says Miller.business, know the claims process and have “Once a claim has been submitted, youworked often with the adjustors involved, KNOW AND FOLLOW THE PROCESS should typically get a response from theso we have the tools for alleviating client TO REPORT CLAIMS insurance company claims adjustor within 24frustrations.” to 48 hours,” says Miller. Your policy will spell out the response The leverage factor is due to the mechanism for making a claim. In most If that doesn’t happen, Miller’s team willlongstanding working relationships The instances, it’s as easy as picking up the phone step in.Fedeli Group has established with insurance and calling your insurance carrier’s claimscarriers and their claims adjustors and department. “I will and do get involved if I feel thatunderwriters. the claim isn’t being handled appropriately,20 u FEDELI FACTOR

The $400,000 save The Fedeli Group’s Director of Claims, Jim DeLuca, and his team work tirelessly to resolve complex and challenging claims to the satisfaction of their clients. For example, DeLuca recentlyand I will advocate on behalf of my insured,” got a phone call from a clientshe says. “If I don’t get a response in a timelymanner, I’ll go to the adjustor’s supervisor.” at a real estate organization. A Jim DeLuca, severe windstorm had caused Director of Claims The Fedeli Group extends this level of considerable property damageservice to clients, regardless of size of thebusiness. that greatly affected its business “We have clients that are multibillion- operations.dollar corporations and others that mightbe a single gas station, but that doesn’t “The weather-related claim was initially declined because of thematter to us,” says Miller. “We’ll always getinvolved if and when the need arises. If any policy language,” says DeLuca. “It was written in a way that made claimof our clients aren’t getting the appropriateattention paid to their claims, I’m going to rejection a sensible conclusion, so no one could blame the adjustor. Butadvocate on their behalf.” we thought we found a certain vagueness to the language that might beWORK WITH YOUR ADJUSTOR to our client’s advantage, so we elevated the claim to the underwriter.”Make yourself an invaluable part of the teamthat’s working toward a fair and equitable While the “typical” response would have been to accept the initialclaims resolution. That means doing yourpart to enable your adjustor to proceed in an rejection by the carrier, DeLuca used his instincts, expertise and theefficient manner. leverage earned by his experience at The Fedeli Group to continue the “Full cooperation and communicationwith the adjustor makes the whole process conversation at a higher level.easier for everyone,” says Miller. He also worked with the client’s accountant to write a proof of loss Before you start the claims process,make sure you have all of the critical statement and advised his client to hire an engineer to assess anddetails at your fingertips. That includesthe date of the incident, where and how it document the damage.took place, who was involved and a gooddescription of the damages. Be sure to take “Ultimately, the claim was approved and the client received aphotographs as soon after the occurrenceas possible. substantial resolution,” says DeLuca. “Quite frankly, it was the first time Miller says that a major complaint I’d seen this type of loss covered. The insurance carrier later tightenedof insurance adjustors is improperly orincompletely filled out claims information. the language so that such a claim couldn’t be made in the future.”And sometimes paperwork is not turned inat all. If the adjustor requests documentation DeLuca’s efforts paid off to the tune of a $400,000 payment, aof the damage and doesn’t receive it as significant sum for the client — and a tribute to the tenacity of DeLuca and his Fedeli claims team. quickly as possible, that’s going to needlessly drag their feet and are unresponsive,” prolong the process. he says. “When we get involved, we can communicate in a less passionate tone DeLuca says that clients’ frustrations can that can often garner better results.” also have a negative effect. Following these simple and logical “High emotions are understandable, guidelines will make the claims process go especially when they have had a traumatic as smoothly as possible and maximize your loss, but unsatisfactory resolutions can likelihood of gaining a positive resolution. v occur when they lose their temper or www.thefedeligroup.com u 21

Giving Back PHOTOS COURTESY OF CLEVELAND CLINIC’S CENTER FOR MEDICAL ART AND PHOTOGRAPHYCleveland Clinic Children’s GalaFormerly known as the HeartThrob Ball, guests celebratethe 25th annual Cleveland Clinic Children’s Gala Dr. Miriam Perez, pediatrician at The Cleveland Clinic; Umberto Fedeli; Dr. Giovanni Piedimonte, chairman of the Pediatric Institute and physician in chief of the Cleveland Clinic Children’s Hospital; and Steve Ross, president of Squire Ridge Co. LLC, and his wife, EllenThe 25th annual gala took place at The Cleveland Museum ofArt on May 1, 2015. The Courage Award is presented annuallyat the gala to honor young patients who have bravely andgraciously faced overwhelming adversity Larry Pollock, managing partner at Lucky Stars Partners LLC, and his wife, Julia, and Umberto22 u FEDELI FACTOR

216.781.ROCK | rockhall.com | #myrockhall 1100 Rock and Roll Boulevard | Cleveland, Ohio 44114

Community Involvement Mission DRIVENWith the help of The Fedeli Group, The Centers for Families and Children is having a positive impact “The battle for talent is ongoing for every organization out there, including ours,” Newman says. “The Fedeli Group has worked with us to understand our goals for the organization and how that impacts our employees. They’ve been creative in finding new ways to help us, which is important, since we’re a nonprofit with limited resources at our disposal.”T he Centers for Families and Centers’ 550 employees represent the most ADDRESSING THE NEED PHOTOS COURTESY OF THE CENTERS FOR FAMILIES AND CHILDREN Children is new on the scene, foundational element in the organization’s but it’s already having a major success. To understand the organization’s needs impact in the Cleveland area. The and how to best address them, The Fedeli organization was founded in 2011, “We have an extensive workforce Group had to understand the makeupwhen three community service organizations dispersed across 20 sites in the region,” of the Centers’ workforce and how thatjoined forces with the unified vision of Newman says. “If the staff are engaged and helps shape the concept of a fulfilling workcreating a comprehensive resource and satisfied with their jobs, they’re going to environment.support system for Northeast Ohio residents deliver a better client experience and betterin need of a wide variety of services. final outcomes for those clients.” “We employ a lot of mothers who are, in many cases, their family’s main or sole Four years later, the Centers have become With that in mind, Newman and the rest means of support,” Newman says. “Soan essential cog in the human services of the leadership team have spent much they’re counted on by their families fornetwork of the region, providing access to of the year developing and implementing health insurance. One of the first thingshealth care, job training and other quality- an initiative aimed at creating the best The Fedeli Group realized is that weof-life services for more than 25,000 area possible work environment. To help make needed an insurance program that wouldresidents. that happen, the Centers partnered with ensure our employees and their families are The Fedeli Group to analyze the role the taken care of.” To serve that many people on a yearly Centers’ benefits package played in thebasis, the Centers needs a large workforce retention of employees and how to construct The Fedeli Group used its extensivethat is motivated and enabled. President a benefits package that would help ensure pool of resources to craft a health insuranceand CEO Elizabeth Newman says the great talent would come aboard and stay. package that addressed the needs of one of the largest groups within the Centers’ workforce. But The Fedeli Group didn’t stop there. The Fedeli Group’s experts continued to add to the insurance package, with an eye toward making it a comprehensive plan that would address the needs of all employees. “The Fedeli Group develops a plan that responds to what people are looking for with regard to a company insurance plan,” Newman says. “That’s what The Fedeli Group has been great at. They constantly analyze and24 u FEDELI FACTOR

reanalyze the market and help position us in When it comes to employee engagement, life services to area residents in need.a way that allows us to attract and retain the The Fedeli Group has worked with senior “Another great thing about The Fedelibest talent. A lot of people in the professional leadership to create programs that educateworld are looking for an attractive health care employees about benefits options and the Group is that they’re involved with usplan. It can swing someone toward accepting open enrollment process — programs that beyond just insurance, and that has alwaysa job offer. Fedeli understands how important are easily transported and presented among been the case,” Newman says. “They’vegreat benefits are in attracting talent and has the various locations within the Centers’ been involved with our events that we’veworked with us on that.” footprint. The goal is to make the benefits put on, they’ve helped further our mission process as smooth as possible, so employees — they’ve really been there for us at everyTHE ROLE OF CULTURE can focus on producing results that satisfy turn. Umberto Fedeli is very active in the the Centers’ clients. community, and that has shown in his workThe Centers has coupled The Fedeli with us.Group’s efforts with self-generated “The Fedeli Group has made it muchmomentum to drive the organization easier for us to focus on delivering those “I think when you have twotoward a continuously improving work results, because they’re the ones who are organizations aligned in that way, you paveenvironment. staying on top of the insurance situation the way for a great long-term relationship, and providing expert advice about what we and that’s exactly what we have.” In addition to support and benefits, should do next,” Newman says. “If we’reemployees want a voice in the company. going to make a lasting positive impact The Fedeli Group will continue to beNewman and the leadership team at the in the community, we have to be on solid there, supporting the Centers in whateverCenters have responded to that desire with ground ourselves, and The Fedeli Group manner is needed by Newman and herthe formation of internal steering teams helps us do that.” staff, helping to make sure the Centersthat have solicited, gathered and analyzed has a strong foundation from whichfeedback around a number of key cultural THE FUTURE to accomplish its community serviceperformance areas. mission. Newman foresees the relationship between “Culture is a fundamental part of the Centers and Fedeli deepening as the “From my experience, it’s rare to findmaintaining a great work environment,” Centers continues to grow. The potential the type of partner we have in The FedeliNewman says. “And culture is something there is great, because the Centers is in Group,” Newman says. “And that’s eventhat has to be developed from within, which aggressive growth mode. truer when you consider the aggressiveis why we wanted to involve our people in growth path we’re on. We’re going to bedefining and living the culture from the As the Centers grows, the relationship looking to expand our footprint and addbeginning of this initiative.” between the two organizations will deepen staff in the coming years, so having strong in areas beyond insurance advisory services. partners is something that is going to be The feedback the steering teams received That’s because The Fedeli Group has been critical to our success. The Fedeli Grouphad a consistent message: Employees wanted more than an insurance partner for the understands that, they understand that themore engagement from senior leadership, and Centers — it has been a partner in the competition for talent in our space has nevermore training and development opportunities organization’s mission to bring quality-of- been greater, and they’re going to continue toto further their careers. work with us to help us succeed.” v www.thefedeligroup.com u 25

Community Involvement Taking care of PEOPLE Emerald Hospitality relies on The Fedeli Group to deliver excellent employee benefits “Our goal was to structure plans that hotel housekeepers could afford, and The Fedeli Group helped us do that.” – James Gerish, CEO, Emerald HospitalityIn a sense, CEO James Gerish found his That’s why he and Jennifer DeLuca, “Insurance is different over state lines, so PHOTOS COURTESY OF EMERALD HOSPITALITY career when he was 15. That’s when he corporate director of human resources we went with different brokers in each state,” got an after-school job as a yard boy at a for Emerald, teamed up with The Fedeli he says. “If I wanted to promote people in small-town Illinois drive-in for a dollar Group to introduce new coverage and a Maine and move them to New York, theiran hour. commitment to employee education that insurance policy could change in big ways. boosted participation by 150 percent in 2009. When Jennifer came aboard, she and The A promotion the next year brought him Fedeli Group helped find coverage throughinside, working as a busboy and then as “I’m a huge believer in taking care of our Anthem that would work everywhere.”a cook. Those were the first rungs on a people,” says Gerish. “When we put togethercareer ladder in hospitality that led to him a nice, strong package, it resonated with our In recent years, The Fedeli Group cameto founding Emerald Hospitality in 1999. associates. Our goal was to structure plans to the rescue yet again when the health careMore than 15 years later, his team manages that hotel housekeepers could afford, and environment changed dramatically.individual franchise locations of leading The Fedeli Group helped us do that.”hotel brands including Marriott, Hyatt and “They helped us through the minefieldsEmbassy Suites. A WINNING TEAM IN HOSPITALITY of the Affordable Care Act,” says Gerish. “There was a lot of confusion at first.” Since its first years, the company has Employee benefits can be confusing, And that confusion sowed panic asexperienced steady growth. Beginning so DeLuca was very appreciative of the associates worried their hours would be cut.with two hotels and 120 rooms under assistance she got from The Fedeli Group,management, the count today is 23 hotels, whose broker accompanied her on calls “I told my staff that we weren’t going towith 2,200 rooms and two restaurants. during open enrollment at each of the play that game. No one’s hours would be hotels managed by Emerald at that time. reduced, and we’d continue to provide good Associates are employed by the hotel benefits.”ownership groups, but Emerald Associates “I learned a lot from the very clear wayprovides insurance for them. Gerish found the representative explained the products,” To that end, The Fedeli Group helpedthat hotel employees often have difficulty says DeLuca. “To this day, I present the Emerald Associates initiate a self-fundedunderstanding benefits. Many are young, programs and options the way The Fedeli plan with stop-loss provisions to cover majorhealthy and at the lower end of the wage Group representative did.” claims and a wellness program to help keepscale, so the subject isn’t top of mind. But he associates healthy and rates under control.was determined to make sure associates had Another major change in 2009 was theaccess to good, affordable plans for health selection of a new group health insurance That’s where things stand today. DeLucacare, vision, dental and even voluntary short- carrier. With hotels under contract in has mastered the steep learning curve ofterm and long-term disability benefits. several states, Gerish was up against varying employee benefits, and she continues to work health care rules and regulations. closely with The Fedeli Group, while Gerish’s family of associates keeps steadily growing. v26 u FEDELI FACTOR

In the Kitchen: With Mama Lucia and Lorry FedeliWhat’s WHOLE WHEAT PENNE PASTA WITH KALE,COOKING? SPINACH, BASIL AND LEMONAt The Fedeli Group, we celebrate the tradition 8 ounces uncooked whole wheat penne pasta of delicious Italian food and “breaking bread”with others daily in our dining room. Although ½ cup chopped Vidalia onionswe embrace tradition, we also pursue opportunities 3 cups bagged baby spinach leavesto progress as a company and a community. As 1 cup baby kalehealth care costs, chronic diseases and waistlines 3-4 tbsp. extra-virgin olive oilare growing, we are making strides at Fedeli to 1 cup low sodium chicken brothpromote awareness and protect our associates, Salt to tasteclients and friends. Black pepper or hot pepper flakes to taste 1 cup sliced fresh basil leaves For years, The Fedeli Group kitchen has Shaved fresh parmigiano-reggiano cheesebeen serving Mama Lucia and Lorry Fedeli’s 1 tsp. freshly grated lemon rindhomemade Italian cuisine, rich in nutrition andassociated with a typical Mediterranean diet. Prepare pasta according to package directions.A Mediterranean diet consists of olive oil as Sautee chopped onions in a skillet with olive oil for approx.the main fat, high consumption of fruits, nuts, 2 minutes on low heat.vegetables and pulses, moderate consumption Drain pasta, reserving ½ cup of pasta water.of fish and seafood, low consumption of dairy Mix pasta in skillet with chicken broth, pasta water, kale, spinachproducts and red meat, and moderate intake and lemon rind.of red wine. Kirstin Kirkpatrick, the manager Add pepper, salt and basil.of wellness nutrition services at the Cleveland Cook ingredients until liquid is reduced.Clinic Wellness Institute, says the Mediterranean Toss in parmigiano-reggiano cheese to taste and serve.diet has lasting health benefits. Makes four ½ cup servings. “The Mediterranean diet is truly not a dietat all, but rather a healthy way of life. Its most buon appetito!amazing quality is one that everyone can embrace— it may actually help us live longer, according www.thefedeligroup.com u 27to several studies.” For us, this means continuing to use olive oilbut being conscience not to overuse it; replacingour white pasta and bread with whole grains;continuing to use fresh herbs like rosemary andoregano and vegetables, in appetizers, salads,entrees and side dishes; serving little to no redmeat and more fish and chicken; and servingmore fruit for dessert. We will proudly continueto serve red wine and coffee, as studies haveshown moderate consumption of both providebeneficial health effects. Our kitchen was established to share the magicof breaking bread. We look forward to breakinghealthier bread with you. v

Crowne Centre5005 Rockside Road, Fifth FloorIndependence, OH 44131www.thefedeligroup.com Supreme Court Decision (King v. Burwell)“Premium exchange subsidies apply to ‘StateExchanges’.” Affordable Care Act “‘Tax Credits’ apply to federal and state exchanges.” The Supreme Court“The Affordable Care Act contains more than a fewexamples of inartful drafting. (To cite just one, the Actreates three separate Section 1563s. See 124 Stat.270, 911 ,912.) Several features of the Act’s passagecontributed to that unfortunate reality.” Chief Justice RobertsConfused? We can help.The Fedeli Group is actively helping clients navigate through the complexand often uncertain requirements of the Affordable Care Act. The nextphase of health care reform will require a continued focus on regulatoryproficiency, diligent planning and implementation, and creative, yetworkable solutions. Our expert team of professionals can help.www.thefedeligroup.com (216) 328-8080Fedeli Factor Half-Page 2015-09.indd 1 9/11/15 3:17 PM