| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 2305 RIVER RD LOUISVILLE, KY 40206 | HUMANA HEALTH PLANS, INC. | $32K | $6K | $38K | 0.84% |
| ENERGY INSURANCE AGENCY INC3 | P.O. BOX 55268 LEXINGTON, KY 40555 | HUMANA HEALTH PLANS, INC. | $29K | $4K | $32K | 0.72% |
| STONEBRIDGE INSURANCE3 | 3131 CUSTARD DR, STE 4B LEXINGTON, KY 40517 | HUMANA HEALTH PLANS, INC. | $16K | $1K | $18K | 0.39% |
| JACK WILKINSON3 | 360 E. VINE ST, STE 200 LEXINGTON, KY 40507 | HUMANA HEALTH PLANS, INC. | $16K | $1K | $17K | 0.38% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD, STE 4 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLANS, INC. | $14K | $2K | $16K | 0.36% |
| FIFTH THIRD INSURANCE AGENCY INC3 Filed as: FIFTH THIRD INSURANCE | 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | HUMANA HEALTH PLANS, INC. | $13K | $2K | $15K | 0.33% |
| CUMBERLAND VALLEY INSURANCE3 | 412 N. BROAD ST LONDON, KY 40741 | HUMANA HEALTH PLANS, INC. | $11K | — | $11K | 0.25% |
| MCGRIFF INSURANCE SERVICES INC3 | 2600 EASTPOINT PKWY LOUISVILLE, KY 40223 | HUMANA HEALTH PLANS, INC. | $6K | $480 | $7K | 0.15% |
| TOOHEY INSURANCE SERVICES LLC3 | P.O. BOX 1265 SOMERSET, KY 42502 | HUMANA HEALTH PLANS, INC. | $6K | — | $6K | 0.13% |
| SNOWDEN & ASSOCIATES3 | 812 LYNDON LN, STE 101 LOUISVILLE, KY 40222 | HUMANA HEALTH PLANS, INC. | $5K | — | $5K | 0.11% |
| WILLIAM NEIKIRK3 | P.O. BOX 814 SOMERSET, KY 42502 | HUMANA HEALTH PLANS, INC. | $2K | $2K | $4K | 0.09% |
| USI INSURANCE SERVICES LLC3 Filed as: USI | 950 BRECKENRIDGE LANE, STE 50 LOUISVILLE, KY 40207 | HUMANA HEALTH PLANS, INC. | $3K | — | $3K | 0.08% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE | 13800 JACKSON RD MISHAWAKA, IN 46544 | HUMANA HEALTH PLANS, INC. | $3K | $204 | $3K | 0.07% |
| BB&T3 Filed as: BB & T INSURANCE | 38 ROUSS AVE, STE 100 WINCHESTER, VA 22601 | HUMANA HEALTH PLANS, INC. | $3K | $343 | $3K | 0.07% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INSURANCE | 550 S. 5TH ST, STE 303 LOUISVILLE, KY 40202 | HUMANA HEALTH PLANS, INC. | $3K | $409 | $3K | 0.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER | 360 E. VINE STREET, STE 200 LEXINGTON, KY 40507 | HUMANA HEALTH PLANS, INC. | $3K | $205 | $3K | 0.06% |
| AL TORSTRICK INS AGENCY INC3 | 343 WALLER AVENUE, STE 101 LEXINGTON, KY 40504 | HUMANA HEALTH PLANS, INC. | $2K | $267 | $3K | 0.06% |
| STEVEN PARRISH3 | 4170 TRADITION WAY LEXINGTON, KY 40509 | HUMANA HEALTH PLANS, INC. | $2K | — | $2K | 0.05% |
| PIKE & PRESTON LLC3 | 444 E. MAIN STREET STE 204 LEXINGTON, KY 40507 | HUMANA HEALTH PLANS, INC. | $1K | $219 | $2K | 0.04% |
| EMPLOYEE BENEFIT ASSOCIATES, INC.3 Filed as: EMPLOYEE BENEFIT ASSOCIATES INC | 1029 MONARCH STREET, STE 130 LEXINGTON, KY 40513 | HUMANA HEALTH PLANS, INC. | $1K | $144 | $2K | 0.03% |
| BENEFITS GROUP OF LEXINGTON LLC3 Filed as: BENEFITS GROUP OF LEXINGTON | 1080 WELLINGTON WAY LEXINGTON, KY 40513 | HUMANA HEALTH PLANS, INC. | $2K | — | $2K | 0.03% |
| BENJAMIN BYRNE & ASSOCIATES3 | 9401 WILLIAMSBURG PLAZA, STE 100 LOUISVILLE, KY 40222 | HUMANA HEALTH PLANS, INC. | $1K | $324 | $2K | 0.03% |
| ZINSER BENEFIT SERVICE3 | 330 N. EVERGREEN RD STE 6 LOUISVILLE, KY 40243 | HUMANA HEALTH PLANS, INC. | $1K | $78 | $1K | 0.02% |
| VFG WEALTH MANAGEMENT3 | 131 PROSPEROUS PL, STE 14A LEXINGTON, KY 40509 | HUMANA HEALTH PLANS, INC. | $1K | — | $1K | 0.02% |
| E M FORD & CO LLC3 Filed as: E M FORD & COMPANY LLC | 600 FREDERICA ST OWENSBORO, KY 42301 | HUMANA HEALTH PLANS, INC. | $879 | — | $879 | 0.02% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP | P.O. BOX 23570 LOUISVILLE, KY 40223 | HUMANA HEALTH PLANS, INC. | $749 | $118 | $867 | 0.02% |
| MEDLINK INC3 | P.O. BOX 23570 LOUISVILLE, KY 40223 | HUMANA HEALTH PLANS, INC. | $104 | $62 | $166 | 0.00% |
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 | 625 | 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) | 625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLANS, INC. | 1,213 | $4.5M |
| Prescription drug | HUMANA HEALTH PLANS, INC. | 1,213 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,213 | — |
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.