| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD, STE 4 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLANS, INC. | $13K | $1K | $14K | 1.53% |
| ENERGY INSURANCE AGENCY INC3 | P.O. BOX 55268 LEXINGTON, KY 40555 | HUMANA HEALTH PLANS, INC. | $6K | $442 | $7K | 0.74% |
| MCGRIFF INSURANCE SERVICES INC3 | 38 ROUSS AVE STE 100 WINCHESTER, VA 22601 | HUMANA HEALTH PLANS, INC. | $5K | $745 | $6K | 0.63% |
| JASON YOUNG & ASSOCIATES3 | 131 PROSPEROUS PLACE STE 14A LEXINGTON, KY 40509 | HUMANA HEALTH PLANS, INC. | $5K | $107 | $6K | 0.61% |
| TOOHEY INSURANCE SERVICES LLC3 | P.O. BOX 1265 SOMERSET, KY 42502 | HUMANA HEALTH PLANS, INC. | $2K | $2K | $3K | 0.36% |
| AL TORSTRICK INS AGENCY INC3 | 343 WALLER AVENUE, STE 101 LEXINGTON, KY 40504 | HUMANA HEALTH PLANS, INC. | $2K | $154 | $2K | 0.21% |
| STEVEN PARRISH3 | 341 KINGSWAY LEXINGTON, KY 40502 | HUMANA HEALTH PLANS, INC. | $593 | $1K | $2K | 0.18% |
| THE EMPLOYERS BENEFIT GROUP, LLC3 Filed as: EMPLOYERS BENEFIT SERVICES, INC | P.O. BOX 22111 LEXINGTON, KY 40522 | HUMANA HEALTH PLANS, INC. | $1K | $132 | $1K | 0.15% |
| EMPLOYEE BENEFIT ASSOCIATES, INC.3 Filed as: EMPLOYEE BENEFIT ASSOCIATES INC | 1029 MONARCH STREET, STE 130 LEXINGTON, KY 40513 | HUMANA HEALTH PLANS, INC. | $752 | $104 | $856 | 0.09% |
| PIKE & PRESTON LLC3 | 444 E. MAIN STREET STE 204 LEXINGTON, KY 40507 | HUMANA HEALTH PLANS, INC. | $566 | $18 | $584 | 0.06% |
| E M FORD & CO LLC3 Filed as: E M FORD & COMPANY LLC | P.O. BOX 1677 OWENSBORO, KY 42302 | HUMANA HEALTH PLANS, INC. | $507 | — | $507 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 360 E. VINE STREET LEXINGTON, KY 40507 | HUMANA HEALTH PLANS, INC. | $272 | $20 | $292 | 0.03% |
| MEDLINK INC3 | P.O. BOX 23570 LOUISVILLE, KY 40223 | HUMANA HEALTH PLANS, INC. | $72 | $28 | $100 | 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 | 214 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLANS, INC. | 191 | $907K |
| Prescription drug | HUMANA HEALTH PLANS, INC. | 191 | $907K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.