| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 E BROAD ST SUITE 530 COLUMBUS, OH 43215 | COMMUNITY INSURANCE COMPANY | $32K | $710 | $33K | 2.90% |
| SHAWAN MARQUIS AGENCY INC3 | 110 EAST WILSON BRIDGE RD. SUITE 260 COLUMBUS, OH 43085 | COMMUNITY INSURANCE COMPANY | -$1K | $0 | -$1K | -0.10% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 E BROAD ST SUITE 530 COLUMBUS, OH 43215 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 10.00% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 E BROAD ST SUITE 530 COLUMBUS, OH 43215 | STANDARD INSURANCE COMPANY | $3K | $621 | $3K | 16.26% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 110 EAST WILSON BRIDGE RD. SUITE 530 COLUMBUS, OH 43085 | ANTHEM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 13.30% |
No Schedule C service providers reported on this filing.
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 | 138 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 103 | $1.1M |
| Dental | COMMUNITY INSURANCE COMPANY | 103 | $1.1M |
| Vision | COMMUNITY INSURANCE COMPANY | 103 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 138 | $29K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $51K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 137 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.