| 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 | COMMUNITY INSURANCE COMPANY | $0 | $2K | $2K | 0.59% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET SUITE 250 COLUMBUS, OH 43215 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.48% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, STE. 250 COLUMBUS, OH 43215 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.61% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS | 300 SPRUCE STREET, STE. 250 COLUMBUS, OH 43215 | EYEMED | $36K | $0 | $36K | 111.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMMUNITY INSURANCE COMPANY EIN 31-1440175 CLAIMS ADMINISTRATOR | Float revenue; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $381K |
| CLEARPATH BENEFIT ADVISORS EIN 46-1168380 BROKER | Product termination fees (surrender charges, etc.); Other commissions; Contract Administrator; Claims processing; Insurance agents and brokers; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 300 SPRUCE STREET SUITE 250 COLUMBUS, OH 43215 | $25K |
| INGENIO RX, INC. EIN 82-3062245 PBM | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Float revenue; Contract Administrator Service code 12 | — | -$64K |
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 | 219 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 492 | $144K |
| Vision | EYEMED | 462 | $32K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 144 | $61K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 144 | $61K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 219 | $420K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 144 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 492 | — |
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.