| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 E BROAD ST STE 530 COLUMBUS, OH 43215 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $154K | $2K | $157K | 4.98% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE ST SUITE 250 COLUMBUS, OH 43215 | KAISER FOUNDATION HEALTH PLAN INC | $46K | $0 | $46K | 7.00% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE ST SUITE 250 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 3.37% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE ST SUITE 250 COLUMBUS, OH 43215 | KAISER FOUNDATION HEALTH PLAN INC | $11K | $0 | $11K | 4.99% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 E BROAD ST STE 530 COLUMBUS, OH 43215 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.46% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE ST SUITE 250 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 13.72% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 E BROAD ST STE 530 COLUMBUS, OH 43215 | KAISER FOUNDATION HEALTH PLAN INC | $75 | $0 | $75 | 0.89% |
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 | 367 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 285 | $4.0M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 285 | $3.1M |
| Vision | VISION SERVICE PLAN | 312 | $59K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 367 | $295K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 367 | $266K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 367 | $266K |
| Prescription drug(4 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 285 | $4.0M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 367 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.