| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FORKER COMPANY3 | 964 GROVE ROAD ZANESVILLE, OH 43701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $132K | — | $132K | 6.36% |
| THE FORKER COMPANY3 | 964 GROVE ROAD ZANESVILLE, OH 43701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $211K | — | $211K | 15.00% |
| THE FORKER COMPANY3 Filed as: THE FORKER CO. | 964 GROVE ROAD ZANESVILLE, OH 437011337 | VISION SERVICE PLAN | $45K | — | $45K | 7.47% |
| THE FORKER COMPANY3 Filed as: THE FORKER AGENCY INC | 964 GROVE ROAD ZANESVILLE, OH 43701 | UNUM LIFE INSURANCE COMPANY | $27K | — | $27K | 4.87% |
| THE FORKER COMPANY3 Filed as: THE FORKER AGENCY | 964 GROVE ROAD ZANESVILLE, OH 43701 | HCC LIFE INSURANCE COMPANY | $40K | — | $40K | 8.00% |
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 | 4,333 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 306 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,630 | $607K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,979 | $1.4M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,338 | $2.6M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,338 | $2.6M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,979 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,979 | — |
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.