| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE ST STE 250 COLUMBUS, OH 43215 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $78K | $4K | $82K | 5.25% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE ST STE 250 COLUMBUS, OH 43215 | KAISER FOUNDATION HEALTH PLAN INC | $27K | $0 | $27K | 6.45% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE ST STE 250 COLUMBUS, OH 43215 | KAISER FOUNDATION HEALTH PLAN INC | $9K | $0 | $9K | 4.09% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE ST STE 250 COLUMBUS, OH 43215 | UNUN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 6.06% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE ST STE 250 COLUMBUS, OH 43215 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.26% |
| CLEARPATH BENEFIT ADVISORS LLC3 | 300 SPRUCE ST STE 250 COLUMBUS, OH 43215 | UNUN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 15.00% |
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 | 245 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 196 | $2.2M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 196 | $1.6M |
| Vision | VISION SERVICE PLAN | 218 | $38K |
| Life insurance(2 contracts) | UNUN LIFE INSURANCE COMPANY OF AMERICA | 245 | $177K |
| Short-term disability | UNUN LIFE INSURANCE COMPANY OF AMERICA | 245 | $158K |
| Long-term disability | UNUN LIFE INSURANCE COMPANY OF AMERICA | 245 | $158K |
| Prescription drug(3 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 196 | $2.2M |
| Other(2 contracts) | UNUN LIFE INSURANCE COMPANY OF AMERICA | 245 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.