| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS SERVICES AGCY | PO BOX 868 DELAWARE, OH 43015 | COMMUNITY INSURANCE COMPANY | — | $0 | $0 | 0.00% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, SUITE 250 COLUMBUS, OH 43215 | COMMUNITY INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PREFERRED BENEFITS SERVICES AGENCY3 Filed as: PREFERRED BENEFIT SVC AGCY | PO BOX 868 DELAWARE, OH 43015 | UNITED OMAHA LIFE INSURANCE COMPANY | $10K | $5K | $14K | 13.26% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, SUITE 250 COLUMBUS, OH 43215 | UNITED OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.40% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS SERVICES AGCY | PO BOX 868 DELAWARE, OH 43015 | DELTA DENTAL OF OHIO | $2K | $112 | $2K | 4.84% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, SUITE 250 COLUMBUS, OH 43215 | DELTA DENTAL OF OHIO | $804 | — | $804 | 1.57% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS SERVICES AGCY | PO BOX 868 DELAWARE, OH 43015 | EYEMED | $667 | $0 | $667 | 7.37% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, SUITE 250 COLUMBUS, OH 43215 | EYEMED | $233 | $0 | $233 | 2.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS ADMINISTRATOR | Float revenue; Other services; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $51K |
| CLEARPATH BENEFIT ADVISORS BROKER | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | — | $0 |
| INGENIORX, INC EIN 31-1714795 PBM | Claims processing; Consulting (general); Contract Administrator; Float revenue Service code 12 | — | $0 |
| PREFERRED BENEFITS SERVICES AGENCY EIN 31-1407150 BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | — | $0 |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 159 | $51K |
| Vision | EYEMED | 150 | $9K |
| Life insurance | UNITED OMAHA LIFE INSURANCE COMPANY | 136 | $109K |
| Short-term disability | UNITED OMAHA LIFE INSURANCE COMPANY | 136 | $109K |
| Long-term disability | UNITED OMAHA LIFE INSURANCE COMPANY | 136 | $109K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 147 | $189K |
| Other | UNITED OMAHA LIFE INSURANCE COMPANY | 136 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.