| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBISA REACQUISITION CORP3 | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | HUMANA HEALTH PLAN, INC. | $53K | $6K | $59K | 2.39% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC | 211 GRANDVIEW DRIVE, STE 307 FORT MITCHELL, KY 41017 | HUMANA HEALTH PLAN, INC. | $12K | $2K | $14K | 0.55% |
| MCGRIFF INSURANCE SERVICES INC3 | 2600 EASTPOINT PKWY LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $10K | $198 | $10K | 0.40% |
| CAI INSURANCE AGENCY INC3 | 2035 READING ROAD CINCINNATI, OH 45202 | HUMANA HEALTH PLAN, INC. | $9K | $1K | $10K | 0.40% |
| EDWARD D SOMMER3 Filed as: EDWARD SOMMER | 300 W. WILSON BRIDGE RD, STE 300 WORTHINGTON, OH 43085 | HUMANA HEALTH PLAN, INC. | $4K | — | $4K | 0.16% |
| CINCINNATI BENEFIT SOLUTIONS3 | 4472 BRIDGETOWN ROAD CINCINNATI, OH 45211 | HUMANA HEALTH PLAN, INC. | $4K | $391 | $4K | 0.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MCGOHAN BRABENDER AGENCY | 3931 S. DIXIE DRIVE MORAINE, OH 45439 | HUMANA HEALTH PLAN, INC. | $3K | $385 | $3K | 0.12% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL | 5905 E. GALBRAITH ROAD, STE 5000 CINCINNATI, OH 45236 | HUMANA HEALTH PLAN, INC. | $2K | $534 | $3K | 0.10% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE LLC | 11420 BLUEGRASS PKWY LOUISVILLE, KY 40299 | HUMANA HEALTH PLAN, INC. | $2K | $168 | $2K | 0.08% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 179 FAIRFIELD AVE BELLEVUE, KY 41073 | HUMANA HEALTH PLAN, INC. | $2K | — | $2K | 0.07% |
| NATHAN STRAESSLE3 | 25 W. HIGH ST LAWRENCEBURG, IN 47025 | HUMANA HEALTH PLAN, INC. | $2K | — | $2K | 0.06% |
| SHERILL MORGAN & ASSOCIATES3 | 525 W. FIFTH ST, STE 310 COVINGTON, KY 41011 | HUMANA HEALTH PLAN, INC. | $314 | $42 | $356 | 0.01% |
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 | 284 | 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) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 563 | $2.5M |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 563 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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.