| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS, LLC | 300 EAST BROAD STREET, SUITE 530 COLUMBUS, OH 43215 | COMMUNITY INSURANCE COMPANY | $23K | $141 | $23K | 2.50% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B. OSWALD COMPANY | 1100 SUPERIOR AVENUE, SUITE 1500 CLEVELAND, OH 44114 | COMMUNITY INSURANCE COMPANY | $0 | $13K | $13K | 1.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | COMMUNITY INSURANCE COMPANY | $11K | $0 | $11K | 1.21% |
| ERC SERVICES INC3 Filed as: ERC SERVICES, INC. | 387 GOLF VIEW LANE, SUITE 100 HIGHLAND HEIGHTS, OH 44143 | COMMUNITY INSURANCE COMPANY | $6K | $0 | $6K | 0.65% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADV., LLC | UNKNOWN COLUMBUS, OH 43215 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.99% |
| USI INSURANCE SERVICES LLC3 | 3333 DEPOSIT DRIVE NE, SUITE 230 GRAND RAPIDS, MI 49546 | THE DENTAL CARE PLUS GROUP A DENTAQUEST COMPANY | $3K | $0 | $3K | 5.97% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE STREET, SUITE 250 COLUMBUS, OH 43215 | THE DENTAL CARE PLUS GROUP A DENTAQUEST COMPANY | $2K | $0 | $2K | 4.82% |
| USI INSURANCE SERVICES LLC3 | 312 ELM STREET, 24TH FLOOR CINCINNATI, OH 45202 | AMERICAN UNITED LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.65% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADV., LLC | UNKNOWN COLUMBUS, OH 43215 | AMERICAN UNITED LIFE INSURANCE COMPANY | $424 | $0 | $424 | 1.35% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COMMUNITY INSURANCE COMPANY | 230 | $917K |
| Dental | THE DENTAL CARE PLUS GROUP A DENTAQUEST COMPANY | 211 | $47K |
| Vision | COMMUNITY INSURANCE COMPANY | 230 | $917K |
| Life insurance(2 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 135 | $87K |
| Short-term disability(2 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 135 | $87K |
| Long-term disability(2 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 135 | $87K |
| Prescription drug | COMMUNITY INSURANCE COMPANY | 230 | $917K |
| Other(2 contracts) | AMERICAN UNITED LIFE INSURANCE COMPANY | 135 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.