| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 E BROAD ST SUITE 530 COLUMBUS, OH 43215 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $0 | $9K | 1.92% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 E BROAD ST COLUMBUS, OH 43215 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.37% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 E BROAD ST COLUMBUS, OH 43215 | ONE AMERICA | $3K | $0 | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 3 | Other services; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan; Named fiduciary; Contract Administrator; Float revenue Service code 12 | — | $62K |
| CLEARPATH BENEFIT ADVISORS LLC 3 | Consulting fees Service code 70 | 300 E BROAD ST SUITE 530 COLUMBUS, OH 43215 | $30K |
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 | 104 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 72 | $59K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 72 | $59K |
| Life insurance | ONE AMERICA | 104 | $29K |
| Long-term disability | ONE AMERICA | 104 | $29K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 72 | $486K |
| Other | ONE AMERICA | 104 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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."
No prospect flags tripped on this filing.