| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE STREET SUITE 250 COLUMBUS, OH 43215 | COMMUNITY INSURANCE COMPANY | $0 | $2K | $2K | 0.50% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE STREET SUITE 250 COLUMBUS, OH 43215 | ANTHEM LIFE INSURANCE COMPANY | $20K | $6K | $26K | 17.82% |
| THOMAS HADLEY3 Filed as: THOMAS V RUBINO | 300 SPRUCE STREET SUITE 250 COLUMBUS, OH 43215 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.22% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE STREET SUITE 250 COLUMBUS, OH 43215 | COMMUNITY INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE STREET SUITE 250 COLUMBUS, OH 43215 | RELIASTAR LIFE INSURANCE COMPANY | $7K | $0 | $7K | 20.00% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES, INC | 9009 WEST LOOP S SUITE 600 HOUSTON, TX 77096 | RELIASTAR LIFE INSURANCE COMPANY | $2K | $677 | $2K | 7.00% |
| BLOOM HEALTH INSURANCE AGENCY LLC3 | 15 S 5TH ST SUITE 300 MINNEAPOLIS, MN 55402 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $169 | $169 | 0.50% |
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 | 328 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | COMMUNITY INSURANCE COMPANY | 183 | $101K |
| Vision | COMMUNITY INSURANCE COMPANY | 328 | $457K |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE INSURANCE COMPANY | 131 | $163K |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 131 | $144K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 131 | $144K |
| Stop-loss / reinsurancereinsurance | COMMUNITY INSURANCE COMPANY | 328 | $457K |
| Other(3 contracts, 3 carriers) | ANTHEM LIFE INSURANCE COMPANY | 186 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.