| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE-CBISA3 | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | HUMANA HEALTH PLAN, INC. | $27K | $3K | $30K | 1.83% |
| ROBERT RICH3 | 6900 HOUSTON RD BLDG 700, STE 37 FLORENCE, KY 41042 | HUMANA HEALTH PLAN, INC. | $17K | $3K | $20K | 1.20% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC | 211 GRANDVIEW DRIVE, STE 307 FORT MITCHELL, KY 41017 | HUMANA HEALTH PLAN, INC. | $9K | $2K | $11K | 0.66% |
| CAI INSURANCE AGENCY INC3 | 2035 READING ROAD CINCINNATI, OH 45202 | HUMANA HEALTH PLAN, INC. | $5K | $1K | $7K | 0.40% |
| CINCINNATI BENEFIT SOLUTIONS3 | 4472 BRIDGETOWN ROAD CINCINNATI, OH 45211 | HUMANA HEALTH PLAN, INC. | $2K | $336 | $3K | 0.17% |
| ROEDING GROUP COMPANIES3 Filed as: E.H. ROEDING INSURANCE CO. | 2734 CHANCELLOR DR, STE 330 CRESTVIEW HILLS, KY 41017 | HUMANA HEALTH PLAN, INC. | $2K | — | $2K | 0.13% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 5905 E. GALBRAITH ROAD, STE 5000 CINCINNATI, OH 45236 | HUMANA HEALTH PLAN, INC. | $2K | $225 | $2K | 0.11% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 179 FAIRFIELD AVE BELLEVUE, KY 41073 | HUMANA HEALTH PLAN, INC. | $1K | $30 | $1K | 0.07% |
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 | 352 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 339 | $1.6M |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 339 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.