| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS, INC. | 300 SPRUCE ST. SUITE 250 COLUMBUS, OH 43215 | COMMUNITY INSURANCE COMPANY | $26K | $5K | $31K | 12.16% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE STREET SUITE 250 COLUMBUS, OH 43215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.32% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS, INC | 300 SPRUCE ST SUITE 250 COLUMBUS, OH 43215 | DELTA DENTAL OF OHIO | $3K | $0 | $3K | 6.70% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE STREET SUITE 250 COLUMBUS, OH 43215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.68% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS, INC | 300 SPRUCE ST SUITE 250 COLUMBUS, OH 43215 | EYEMED | $830 | $0 | $830 | 10.87% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE ST SUITE 250 COLUMBUS, OH 43204 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 19.99% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE ST. SUITE 250 COLUMBUS, OH 43215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $997 | $0 | $997 | 15.00% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE ST SUITE 250 COLUMBUS, OH 43215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $281 | $0 | $281 | 8.50% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE ST SUITE 250 COLUMBUS, OH 43215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $295 | $0 | $295 | 14.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Float revenue; Claims processing; Other services Service code 12 | — | $9K |
| INGENIO RX, INC. EIN 83-3062425 PBM | Float revenue; Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $3K |
| CLEARPATH BENEFIT ADVISORS EIN 46-1168380 BROKER | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 300 SPRUCE ST SUITE 250 COLUMBUS, OH 43215 | $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 | 106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 143 | $44K |
| Vision | EYEMED | 125 | $8K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 106 | $49K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 106 | $49K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 99 | $253K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 106 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.