| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FORKER COMPANY3 Filed as: THE FORKER AGENCY INC | PO BOX 2040 ZANESVILLE, OH 43702 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69K | — | $69K | 4.91% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS - CLE | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $17K | $45K | 3.19% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE SERV | STE 200, 7415 W. 130TH STREET OVERLAND PARK, KS 66213 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 0.65% |
| MEDBEN MARKETING SERVICES3 Filed as: MEDBEN MARKETING SERVICES INC | 1975 TAMARACK RD P.O. BOX 1009 NEWARK, OH 40358 | NATIONAL UNION FIRE INSURANCE COMPANY | $0 | $26K | $26K | 3.00% |
| THE FORKER COMPANY3 Filed as: FORKER AGENCY | PO BOX 2040 ZANESVILLE, OH 43702 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $96K | — | $96K | 12.00% |
| THE FORKER COMPANY3 Filed as: THE FORKER CO. | PO BOX 2040 ZANESVILLE, OH 43702 | VISION SERVICE PLAN | $17K | — | $17K | 3.57% |
| THE FORKER COMPANY3 Filed as: THE FORKER AGENCY INC | PO BOX 2040 ZANESVILLE, OH 43702 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 5.05% |
| HARLEY J MURRAY3 | 705 N STATE ST WESTERVILLE, OH 43082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.32% |
| HARLEY J MURRAY3 | 705 N STATE ST WESTERVILLE, OH 43082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.52% |
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 | 2,377 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 38 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 89 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,196 | $480K |
| Life insurance(3 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 3,130 | $805K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 72 | $354K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 72 | $354K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,130 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,130 | — |
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.