| 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 | COMMUNITY INSURANCE COMPANY(G1728) | $55K | $2K | $57K | 2.38% |
| MARK A. BLUMENTHAL3 | 921 CHATHAM LANE SUITE 300 COLUMBUS, OH 43221 | ANTHEM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.36% |
| GEORGE W. MCCLOY3 | 921 CHATHAM LANE SUITE 300 COLUMBUS, OH 43221 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.71% |
| BROKERNET INC3 Filed as: BROKERNET, INC. | 110 NORTHWOODS BOULEVARD SUITE C COLUMBUS, OH 43235 | ANTHEM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.43% |
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 | 656 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 656 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY(G1728) | 694 | $2.4M |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 621 | $70K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 621 | $70K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 621 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 694 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.