| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 E BROAD ST COLUMBUS, OH 43215 | COMMUNITY INSURANCE COMPANY | $32K | $1K | $33K | 9.40% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 E BROAD STREET SUITE 530 COLUMBUS, OH 43215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.25% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 E BROAD STREET SUITE 530 COLUMBUS, OH 43215 | DELTA DENTAL OF OHIO | $3K | $0 | $3K | 6.26% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 E BROAD STREET SUITE 530 COLUMBUS, OH 43215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.38% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 E BROAD STREET SUITE 530 COLUMBUS, OH 43215 | EYEMED | $942 | $0 | $942 | 10.77% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 E BROAD STREET SUITE 530 COLUMBUS, OH 43215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 E BROAD STREET SUITE 530 COLUMBUS, OH 43215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $546 | $0 | $546 | 8.50% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 E BROAD STREET SUITE 530 COLUMBUS, OH 43215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $287 | $0 | $287 | 15.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS ADMINISTRATOR | Contract Administrator; Claims processing; Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $57K |
| CLEARPATH BENEFIT ADVISORS EIN 46-1168380 BROKER | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 300 E BROAD ST. SUITE 530 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 | 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 | DELTA DENTAL OF OHIO | 132 | $50K |
| Vision | EYEMED | 125 | $9K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 120 | $51K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 120 | $51K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 91 | $351K |
| Other(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 120 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.