| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CEARPATH BENEFIT ADVISORS LLC3 | 777 GOODALE BLVD STE 200 COLUMBUS, OH 43212 | COMMUNITY INSURANCE COMPANY | $18K | $0 | $18K | 1.69% |
| THE JAMES B OSWALD COMPANY3 | 1360 E 9TH ST #600 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $5K | $7K | $12K | 1.10% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE STREET SUITE250 COLUMBUS, OH 43215 | COMMUNITY INSURANCE COMPANY | $7K | $0 | $7K | 0.63% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVENUE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $4K | $0 | $4K | 0.42% |
| ERC SERVICES INC3 | 6700 BETA DR STE 300 MAYFIELD VILLAGE, OH 44143 | COMMUNITY INSURANCE COMPANY | $727 | $0 | $727 | 0.07% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE STE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $277 | $0 | $277 | 0.03% |
| JEFFREY W JAMES3 | 1917 NEWARK GRANVILLE RD GRANVILLE, OH 43023 | NORTHWESTERN MUTUAL | $2K | $493 | $2K | 10.08% |
| KEMELGOR FNCL GRP INC3 | 800 YARD ST STE 300 COLUMBUS, OH 43212 | NORTHWESTERN MUTUAL | $392 | $47 | $439 | 1.81% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE STREET STE 250 COLUMBUS, OH 43215 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | $0 | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL BENEFIT ADMINISTRATORS EIN 31-1249371 CONTRACT | Plan Administrator Service code 14 | — | $5K |
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 | 100 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 86 | $1.1M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 100 | $0 |
| Short-term disability | NORTHWESTERN MUTUAL | 99 | $24K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 100 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.
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.