| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE FORKER COMPANY3 | 964 GROVE ROAD ZANESVILLE, OH 43701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87K | $10K | $97K | 6.97% |
| MEDBEN MARKETING SERVICES3 Filed as: MEDBEN MARKETING SERVICES INC | 1975 TAMARACK RD P.O. BOX 1009 NEWARK, OH 40358 | HCC LIFE INSURANCE COMPANY | $20K | — | $20K | 1.66% |
| THE FORKER COMPANY3 | 964 GROVE ROAD ZANESVILLE, OH 43701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $153K | $8K | $160K | 15.75% |
| THE FORKER COMPANY3 Filed as: THE FORKER AGENCY INC | 964 GROVE ROAD ZANESVILLE, OH 43701 | UNUM LIFE INSURANCE COMPANY | $21K | $3K | $24K | 5.28% |
| THE FORKER COMPANY3 Filed as: THE FORKER CO. | 964 GROVE ROAD ZANESVILLE, OH 437011337 | VISION SERVICE PLAN | $38K | — | $38K | 8.99% |
| HARLEY J MURRAY3 | 705 N STATE ST WESTERVILLE, OH 43082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.41% |
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 | 2,521 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 40 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,587 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 2,392 | $421K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,672 | $1.0M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,965 | $1.8M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,965 | $1.8M |
| Other(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 3,672 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,672 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.