| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CPBA INSURANCE SERVICES LLC3 | 777 GOODALE BLVD 200 COLUMBUS, OH 43212 | CALIFORNIA PHYSICIANS' SERVICE | $0 | $43K | $43K | 5.26% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE ST STE 250 COLUMBUS, OH 43215 | KAISER FOUNDATION HEALTH PLAN INC | $12K | $0 | $12K | 6.95% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE ST STE 250 COLUMBUS, OH 43215 | KAISER FOUNDATION HEALTH PLAN | $8K | $0 | $8K | 5.01% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE ST STE 250 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 7.33% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE ST STE 250 COLUMBUS, OH 43215 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $227 | $9K | 10.27% |
| CLEARPATH BENEFIT ADVISORS LLC3 Filed as: CLEARPATH BENEFIT ADVISORS, LLC | 300 SPRUCE ST STE 250 COLUMBUS, OH 43215 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.05% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE ST STE 250 COLUMBUS, OH 43215 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 14.50% |
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 | 192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 107 | $826K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 138 | $84K |
| Vision | VISION SERVICE PLAN | 172 | $25K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $124K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $115K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $115K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 107 | $826K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.