| 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 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $35K | $35K | 6.61% |
| MEDBEN MARKETING SERVICES3 Filed as: MEDBEN MARKETING SERVICES INC. | 1975 TAMARACK ROAD NEWARK, OH 43055 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | $0 | $27K | 5.00% |
| JOHN DAUGHERTY3 | 1166 CASSIDY CT GRANVILLE, OH 43023 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | $0 | $19K | 3.58% |
| MEDICAL BENEFITS ADMINISTRATORS3 Filed as: MEDICAL BENEFITS ADMINISTRATORS, IN | 1975 TAMARACK ROAD NEWARK, OH 43055 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 0.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEDICAL BENEFITS ADMINISTRATORS EIN 31-1249371 CONTRACT | Plan Administrator Service code 14 | — | $65K |
| MEDICAL MUTUAL OF OHIO EIN 34-0648820 CONTRACT | Other fees Service code 99 | — | $23K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 CONTRACT | Other fees Service code 99 | — | $9K |
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 | 193 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 193 | $531K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.