| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLEARPATH BENEFIT ADVISORS LLC3 | 777 GOODALE BLVD STE 200 COLUMBUS, OH 43212 | COMMUNITY INSURANCE COMPANY | $19K | $0 | $19K | 2.44% |
| THE JAMES B OSWALD COMPANY3 | 1360 3 9TH ST #600 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $5K | $7K | $12K | 1.62% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE STREET SUITE 250 COLUMBUS, OH 43215 | COMMUNITY INSURANCE COMPANY | $4K | $0 | $4K | 0.52% |
| THE JAMES B OSWALD COMPANY3 | 1110 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $3K | $0 | $3K | 0.35% |
| ERC SERVICES INC3 | 6700 BETA DR STE 300 MAYFIELD VILLAGE, OH 44143 | COMMUNITY INSURANCE COMPANY | $782 | $0 | $782 | 0.10% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE STE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $16 | $0 | $16 | 0.00% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE ST STE 250 COLUMBUS, OH 43215 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.89% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE STREET SUITE 250 COLUMBUS, OH 43215 | COMMUNITY INSURANCE COMPANY | $3K | $0 | $3K | 7.00% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE ST STE 250 COLUMBUS, OH 43215 | VISION SERVICE PLAN | $659 | $0 | $659 | 8.06% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 89 | $763K |
| Dental | COMMUNITY INSURANCE COMPANY | 79 | $41K |
| Vision | VISION SERVICE PLAN | 70 | $8K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 140 | $42K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 140 | $42K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 140 | $42K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 140 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.