| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS INC | 211 GRANDVIEW DRIVE, STE 307 FORT MITCHELL, KY 41017 | HUMANA HEALTH PLAN, INC. | $37K | $5K | $43K | 1.83% |
| CBISA REACQUISITION CORP3 | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | HUMANA HEALTH PLAN, INC. | $34K | $7K | $40K | 1.73% |
| CAI INSURANCE AGENCY INC3 | 2035 READING ROAD CINCINNATI, OH 45202 | HUMANA HEALTH PLAN, INC. | $6K | $620 | $7K | 0.29% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | HUMANA HEALTH PLAN, INC. | $3K | $628 | $4K | 0.17% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN | 8044 MONTGOMERY ROAD, STE 640 CINCINNATI, OH 45236 | HUMANA HEALTH PLAN, INC. | $3K | $792 | $4K | 0.16% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 5905 E. GALBRAITH ROAD, STE 5000 CINCINNATI, OH 45236 | HUMANA HEALTH PLAN, INC. | $3K | $457 | $4K | 0.15% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 2305 RIVER ROAD LOUISVILLE, KY 40206 | HUMANA HEALTH PLAN, INC. | $3K | $453 | $3K | 0.15% |
| CINCINNATI BENEFIT SOLUTIONS3 | 4472 BRIDGETOWN RD CINCINNATI, OH 45211 | HUMANA HEALTH PLAN, INC. | $1K | $119 | $1K | 0.06% |
| SHERRILL D MORGAN & ASSOCIATES3 Filed as: SHERRILL MORGAN & ASSOCIATES | 525 W. FIFTH ST, STE 310 COVINGTON, KY 41011 | HUMANA HEALTH PLAN, INC. | $1K | — | $1K | 0.06% |
| SEITZ AGENCY3 | 25 W. HIGH STREET LAWRENCEBURG, IN 47025 | HUMANA HEALTH PLAN, INC. | $740 | — | $740 | 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 | 317 | 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) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 526 | $2.3M |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 526 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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.