| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS, LLC | 300 SPRUCE STREET SUITE 250 COLUMBUS, OH 43215 | UNIMERICA INSURANCE COMPANY | $16K | — | $16K | 5.00% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS, LLC | 300 SPRUCE STREET SUITE 250 COLUMBUS, OH 43215 | METROPOLITAN LIE INSURANCE COMPANY | $4K | — | $4K | 2.91% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS, LLC | 300 SPRUCE STREET SUITE 250 COLUMBUS, OH 43215 | AMERICAN UNITED LIFE INSURANCE COMPANY | $2K | — | $2K | 3.08% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS, LLC | 300 SPRUCE STREET SUITE 250 COLUMBUS, OH 43215 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $24K | $26K | 114.73% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS, LLC | 300 SPRUCE STREET SUITE 250 COLUMBUS, OH 43215 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.27% |
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 | 216 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 197 | $23K |
| Dental | METROPOLITAN LIE INSURANCE COMPANY | 484 | $124K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 216 | $66K |
| Long-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 216 | $66K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 197 | $319K |
| Other(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 216 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.