| 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 | COMMUNITY INSURANCE COMPANY | $0 | $26K | $26K | 9.60% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS SERVICES AGCY | PO BOX 868 DELAWARE, OH 43015 | COMMUNITY INSURANCE COMPANY | $0 | $2K | $2K | 0.88% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, SUITE 250 COLUMBUS, OH 43215 | UNITED OMAHA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 13.47% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, SUITE 250 COLUMBUS, OH 43215 | DELTA DENTAL OF OHIO | $3K | $293 | $3K | 6.97% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, SUITE 250 COLUMBUS, OH 43215 | EYEMED | $933 | $0 | $933 | 10.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY CLAIMS ADMINISTRATOR | Float revenue; Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $63K |
| INGENIORX, INC EIN 83-3062425 PBM | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Contract Administrator Service code 12 | — | $1K |
| CLEARPATH BENEFIT ADVISORS BROKER | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 300 SPRUCE STREET SUITE250 COLUMBUS, OH 43215 | $0 |
| PREFERRED BENEFITS SERVICES AGCY 3 | Insurance agents and brokers; Non-monetary compensation; Other commissions Service code 22 | PO BOX 868 DELAWARE, OH 43015 | $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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 135 | $46K |
| Vision | EYEMED | 142 | $9K |
| Life insurance | UNITED OMAHA LIFE INSURANCE COMPANY | 123 | $109K |
| Short-term disability | UNITED OMAHA LIFE INSURANCE COMPANY | 123 | $109K |
| Long-term disability | UNITED OMAHA LIFE INSURANCE COMPANY | 123 | $109K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 131 | $271K |
| Other | UNITED OMAHA LIFE INSURANCE COMPANY | 123 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.