| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC | 211 GRANDVIEW DRIVE, STE 207 FORT MITCHELL, KY 41017 | HUMANA HEALTH PLAN, INC. | $7K | $1K | $9K | 2.80% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES INC | 312 ELM STREET 24 FLOOR CINCINNATI, OH 45202 | HUMANA HEALTH PLAN, INC. | $4K | $43 | $4K | 1.22% |
| C A I INSURANCE AGENCY INC3 Filed as: C A INSURANCE AGENCY INC | 2035 READING ROAD CINCINNATI, OH 45202 | HUMANA HEALTH PLAN, INC. | $443 | $56 | $499 | 0.16% |
| CBISA REACQUISITION CORP3 Filed as: CBISA REACQUITISION CORP | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | HUMANA HEALTH PLAN, INC. | $0 | $84 | $84 | 0.03% |
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 | 156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 116 | $311K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 116 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.