| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENERGY INSURANCE AGENCY INC3 | P.O. BOX 55268 LEXINGTON, KY 40555 | HUMANA HEALTH PLANS, INC. | $42K | $4K | $46K | 0.92% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 2305 RIVER RD LOUISVILLE, KY 40206 | HUMANA HEALTH PLANS, INC. | $31K | $4K | $35K | 0.70% |
| STONEBRIDGE INSURANCE3 | 3131 CUSTER DR, STE 4B LEXINGTON, KY 40517 | HUMANA HEALTH PLANS, INC. | $19K | — | $19K | 0.39% |
| CIS INSURANCE & INVESTMENTS3 Filed as: CIS INSURANCE | 550 S. 5TH ST, STE 303 LOUISVILLE, KY 40202 | HUMANA HEALTH PLANS, INC. | $16K | $3K | $19K | 0.37% |
| MCGRIFF INSURANCE SERVICES INC3 | 2600 EASTPOINT PKWY LOUISVILLE, KY 40223 | HUMANA HEALTH PLANS, INC. | $14K | $2K | $16K | 0.32% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE | 13800 JACKSON RD MISHAWAKA, IN 46544 | HUMANA HEALTH PLANS, INC. | $11K | $4K | $15K | 0.30% |
| FIFTH THIRD INSURANCE AGENCY INC3 Filed as: FIFTH THIRD INSURANCE | 9700 ORMSBY STATION RD LOUISVILLE, KY 40223 | HUMANA HEALTH PLANS, INC. | $8K | $3K | $11K | 0.22% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD, STE 4 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLANS, INC. | $10K | $1K | $11K | 0.21% |
| THE HINTON AGENCY LLC3 | 121 E. ELECTRIC AVE FLEMINGSBURG, KY 41041 | HUMANA HEALTH PLANS, INC. | $8K | — | $8K | 0.16% |
| WILLIAM NEIKIRK3 | P.O. BOX 814 SOMERSET, KY 42502 | HUMANA HEALTH PLANS, INC. | $7K | — | $7K | 0.14% |
| USI INSURANCE SERVICES LLC3 Filed as: USI | 950 BRECKENRIDGE LANE, STE 50 LOUISVILLE, KY 40207 | HUMANA HEALTH PLANS, INC. | $7K | — | $7K | 0.14% |
| PIKE & PRESTON LLC3 | 444 E. MAIN STREET STE 204 LEXINGTON, KY 40507 | HUMANA HEALTH PLANS, INC. | $5K | $799 | $6K | 0.12% |
| TOOHEY INSURANCE SERVICES LLC3 | P.O. BOX 1265 SOMERSET, KY 42502 | HUMANA HEALTH PLANS, INC. | $6K | — | $6K | 0.11% |
| SNOWDEN & ASSOCIATES3 | 812 LYNDON LN, STE 101 LOUISVILLE, KY 40222 | HUMANA HEALTH PLANS, INC. | $5K | — | $5K | 0.10% |
| BENJAMIN BYRNE & ASSOCIATES3 | 9401 WILLIAMSBURG PLAZA, STE 100 LOUISVILLE, KY 40222 | HUMANA HEALTH PLANS, INC. | $3K | $1K | $4K | 0.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH, MCLENNAN & SMITH | 360 E. VINE STREET, STE 200 LEXINGTON, KY 40507 | HUMANA HEALTH PLANS, INC. | $3K | $160 | $3K | 0.06% |
| KEVIN STINNETT3 | P.O. BOX 320 LEXINGTON, KY 40588 | HUMANA HEALTH PLANS, INC. | $2K | — | $2K | 0.04% |
| STEVEN PARRISH3 | 4170 TRADITION WAY LEXINGTON, KY 40509 | HUMANA HEALTH PLANS, INC. | $1K | — | $1K | 0.03% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | P.O. BOX 23570 LOUISVILLE, KY 40223 | HUMANA HEALTH PLANS, INC. | $1K | $179 | $1K | 0.03% |
| ZINSER BENEFIT SERVICE3 | 330 N. EVERGREEN RD STE 6 LOUISVILLE, KY 40243 | HUMANA HEALTH PLANS, INC. | $1K | — | $1K | 0.03% |
| EMPLOYEE BENEFIT ASSOCIATES, INC.3 Filed as: EMPLOYEE BENEFIT ASSOCIATES INC | 1029 MONARCH STREET, STE 130 LEXINGTON, KY 40513 | HUMANA HEALTH PLANS, INC. | $977 | $120 | $1K | 0.02% |
| AL TORSTRICK INS AGENCY INC3 | 343 WALLER AVENUE, STE 101 LEXINGTON, KY 40504 | HUMANA HEALTH PLANS, INC. | $826 | $147 | $973 | 0.02% |
| JASON YOUNG & ASSOCIATES3 | 131 PROSPEROUS PL, STE 14A LEXINGTON, KY 40509 | HUMANA HEALTH PLANS, INC. | $770 | — | $770 | 0.02% |
| E M FORD & CO LLC3 Filed as: E M FORD & COMPANY LLC | 600 FREDERICA ST OWENSBORO, KY 42301 | HUMANA HEALTH PLANS, INC. | $718 | — | $718 | 0.01% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE INC-GA | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | HUMANA HEALTH PLANS, INC. | $273 | — | $273 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGY INC | 9300 SHELBYVILLE RD, STE 1004 LOUISVILLE, KY 40222 | HUMANA HEALTH PLANS, INC. | $92 | — | $92 | 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 | 554 | 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) | 554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLANS, INC. | 1,020 | $5.0M |
| Prescription drug | HUMANA HEALTH PLANS, INC. | 1,020 | $5.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,020 | — |
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.