| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, SUITE 250 COLUMBUS, OH 43215 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.23% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, SUITE 250 COLUMBUS, OH 43215 | ONE AMERICA | $3K | $0 | $3K | 15.10% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, SUITE 250 COLUMBUS, OH 43215 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $395 | $0 | $395 | 5.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA SERVICE PROVIDER | Float revenue; Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Claims processing; Named fiduciary; Contract Administrator Service code 12 | — | $127K |
| CLEARPATH BENEFIT ADVISORS EIN 46-1168380 3 | Consulting fees Service code 70 | 300 SPRUCE ST, SUITE 250 COLUMBUS, OH 43215 | $13K |
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 | 120 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 219 | $55K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 219 | $55K |
| Life insurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 120 | $8K |
| Long-term disability | ONE AMERICA | 113 | $18K |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 120 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.