| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 E BROAD ST STE 530 COLUMBUS, OH 43215 | DELTA DENTAL OF OHIO | $3K | $0 | $3K | 3.49% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE ST SUITE 250 COLUMBUS, OH 43215 | DELTA DENTAL OF OHIO | $1K | $0 | $1K | 1.65% |
| JEFFERY W JAMES3 | 1917 NEWARK GRANVILLE RD GRANVILLE, OH 43023 | NORTHWESTERN MUTUAL | $2K | $616 | $3K | 8.55% |
| KEMELGOR FNCL GRP INC3 | 1349 W LANE AVE STE 1200 UPPER ARLINGTON, OH 43221 | NORTHWESTERN MUTUAL | $489 | $59 | $548 | 1.53% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 E BROAD ST STE 530 COLUMBUS, OH 43215 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ISOLVED BENEFITS SOLUTIONS CONTRACT | Plan Administrator Service code 14 | 15 E WASHINGTON ST COLDWATER, MI 49036 | $4K |
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 | 104 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 104 | $84K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 104 | $27K |
| Short-term disability | NORTHWESTERN MUTUAL | 103 | $36K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 104 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.