| 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. | $25K | $5K | $29K | 2.40% |
| CORNERSTONE-CBISA3 | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | HUMANA HEALTH PLAN, INC. | $8K | $2K | $10K | 0.80% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES INC | 1250 S. 3RD ST LOUISVILLE, KY 40203 | HUMANA HEALTH PLAN, INC. | $7K | — | $7K | 0.56% |
| INSURAMAX INC3 Filed as: INSURAMAX | 2200 GREENE WAY LOUISVILLE, KY 40220 | HUMANA HEALTH PLAN, INC. | $5K | $827 | $6K | 0.49% |
| CAI INSURANCE AGENCY INC3 | 2035 READING ROAD CINCINNATI, OH 45202 | HUMANA HEALTH PLAN, INC. | $4K | $567 | $4K | 0.33% |
| SHERRILL D MORGAN & ASSOCIATES3 Filed as: SHERRILL MORGAN | 525 W. FIFTH ST, STE 310 COVINGTON, KY 41011 | HUMANA HEALTH PLAN, INC. | $594 | $100 | $694 | 0.06% |
| CINCINNATI BENEFIT SOLUTIONS3 | 4472 BRIDGETOWN RD CINCINNATI, OH 45211 | HUMANA HEALTH PLAN, INC. | $346 | $56 | $402 | 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 | 362 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 275 | $1.2M |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 275 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.