Forth Foods, Inc.
Updated Filing received by DOL
Forth Foods, Inc., a retail — stores, food, auto, clothing employer in Huntington, West Virginia, reported 173 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows 1 insurance contract with no premium reported and $149,882 in broker commissions and fees. The plan is self-funded (the employer pays claims itself, with stop-loss coverage from International Specialty Underwriters Inc). The Department of Labor received the filing on September 11, 2026, before the deadline.
Who was paid on Forth Foods, Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Forth Foods, Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| America's Choice Healthplans · Houston, TX | $0 | $90,093 | $90,093 | 1 |
| Benefit Design Services · Huntington, WV | $0 | $48,150 | $48,150 | 1 |
| First Health · Downers Grove, IL | $0 | $11,639 | $11,639 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| International Specialty Underwriters Incstop-loss | 176 | — | $149,882 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Forth Foods, Inc. compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 172 | 173 | +0.6% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $162,541 | $149,882 | −7.8% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Forths Foods Inc Employee Benefit Plan#501 · insurance | February 28, 2026 | September 11, 2026 | before deadline | 173 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Forth Foods, Inc. pay in health insurance broker commissions in 2025?
Forth Foods, Inc.'s 2025 Form 5500 reports $149,882 in broker commissions and fees across 1 insurance contracts ($0 in commissions, $149,882 in fees), with America's Choice Healthplans receiving the largest share.
Is Forth Foods, Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself, with stop-loss coverage from International Specialty Underwriters Inc).
How does Forth Foods, Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Forth Foods, Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.