| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, SUITE 250 COLUMBUS, OH 43215 | COMMUNITY INSURANCE COMPANY | $23K | $0 | $23K | 6.22% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, SUITE 250 COLUMBUS, OH 43215 | METROPOLITAN INSURANCE COMPANY | $3K | $0 | $3K | 2.46% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, SUITE 250 COLUMBUS, OH 43215 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.48% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, SUITE 250 COLUMBUS, OH 43215 | EYEMED | $3K | $0 | $3K | 9.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 | Float revenue; Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $143K |
| CLEARPATH BENEFIT ADVISORS | Product termination fees (surrender charges, etc.); Other commissions; Insurance agents and brokers Service code 22 | 300 SPRUCE STREET, SUITE 250 COLUMBUS, OH 43215 | $0 |
| EXPRESS SCRIPTS EIN 31-1714795 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Float revenue; Contract Administrator Service code 12 | — | $0 |
| INGENIO RX, INC EIN 82-3062245 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Float revenue; Claims processing; Contract Administrator Service code 12 | — | $0 |
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 | 223 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN INSURANCE COMPANY | 478 | $131K |
| Vision | EYEMED | 436 | $28K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 222 | $70K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 222 | $70K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 205 | $376K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 222 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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.