| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, STE. 250 COLUMBUS, OH 43215 | MEDICAL MUTUAL INSURANCE COMPANY | $14K | $2 | $14K | 2.98% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, STE. 250 COLUMBUS, OH 43215 | COMMUNITY INSURANCE COMPANY | $21K | $2K | $22K | 5.27% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $0 | $12K | $12K | 2.91% |
| ERC SERVICES INC3 | 387 GOLF VIEW LANE STE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $771 | $0 | $771 | 0.18% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, STE. 250 COLUMBUS, OH 43215 | UNITED OMAHA LIFE INSURANCE COMPANY | $15K | $4K | $19K | 15.11% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, STE. 250 COLUMBUS, OH 43215 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 7.91% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, STE. 250 COLUMBUS, OH 43215 | EYEMED | $1K | $0 | $1K | 11.09% |
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 | 188 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL INSURANCE COMPANY | 114 | $900K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 323 | $73K |
| Vision | EYEMED | 188 | $10K |
| Life insurance | UNITED OMAHA LIFE INSURANCE COMPANY | 164 | $125K |
| Short-term disability | UNITED OMAHA LIFE INSURANCE COMPANY | 164 | $125K |
| Long-term disability | UNITED OMAHA LIFE INSURANCE COMPANY | 164 | $125K |
| Other | UNITED OMAHA LIFE INSURANCE COMPANY | 164 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.