| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORNERSTONE-CBISA3 | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | HUMANA HEALTH PLAN, INC. | $43K | $7K | $50K | 2.73% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC | 211 GRANDVIEW DRIVE, STE 307 FORT MITCHELL, KY 41017 | HUMANA HEALTH PLAN, INC. | $11K | $2K | $13K | 0.73% |
| CAI INSURANCE AGENCY INC3 | 2035 READING ROAD CINCINNATI, OH 45202 | HUMANA HEALTH PLAN, INC. | $8K | $2K | $9K | 0.52% |
| ROEDING GROUP COMPANIES3 Filed as: E.H. ROEDING INSURANCE CO. | 2734 CHANCELLOR DR, STE 330 CRESTVIEW HILLS, KY 41017 | HUMANA HEALTH PLAN, INC. | $6K | $558 | $7K | 0.36% |
| CINCINNATI BENEFIT SOLUTIONS3 | 4472 BRIDGETOWN ROAD CINCINNATI, OH 45211 | HUMANA HEALTH PLAN, INC. | $2K | $354 | $3K | 0.14% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL | 5905 E. GALBRAITH ROAD, STE 5000 CINCINNATI, OH 45236 | HUMANA HEALTH PLAN, INC. | $1K | $240 | $2K | 0.09% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 179 FAIRFIELD AVE BELLEVUE, KY 41073 | HUMANA HEALTH PLAN, INC. | $2K | $20 | $2K | 0.08% |
| SOBA REACQUISITION CORP3 | 2101 FLORENCE AVE CINCINNATI, OH 45206 | HUMANA HEALTH PLAN, INC. | $624 | $127 | $751 | 0.04% |
| CORNERSTONE-CBISA3 Filed as: CORNERSTONE/CBISA | 211 GRANDVIEW DRIVE, STE 307 FORT MITCHELL, KY 41017 | HUMANA HEALTH PLAN, INC. | $535 | $118 | $653 | 0.04% |
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 | 241 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 312 | $1.8M |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 312 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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."
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.