| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIS INSURANCE & INVESTMENTS3 | 550 S. 5TH STREET, UNIT 303 LOUISVILLE, KY 40202 | HUMANA HEALTH PLANS, INC. | $20K | $2K | $22K | 1.65% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 1540 CORNERSTONE BLVD, STE 230 DAYTONA BEACH, FL 32117 | HUMANA HEALTH PLANS, INC. | $6K | $3K | $9K | 0.69% |
| TOOHEY INSURANCE SERVICES LLC3 Filed as: TOOHEY INSURANCE | P.O. BOX 1265 SOMERSET, KY 42502 | HUMANA HEALTH PLANS, INC. | $7K | — | $7K | 0.51% |
| WILLIAM NEIKIRK3 | 301 HIGHWAY 3091 SOMERSET, KY 42503 | HUMANA HEALTH PLANS, INC. | $5K | $159 | $5K | 0.38% |
| STONEBRIDGE INSURANCE3 | 4325 N. LANDSDOWNE 4B OWENSBORO, KY 42303 | HUMANA HEALTH PLANS, INC. | $4K | — | $4K | 0.31% |
| ENERGY INSURANCE AGENCY INC3 Filed as: ENERGY INSURANCE AGENCY | P.O. BOX 55268 LEXINGTON, KY 40555 | HUMANA HEALTH PLANS, INC. | $3K | $901 | $4K | 0.28% |
| GULIAN BLANTON AGENCY3 | 144 MOCKINGBIRD LANE WILMORE, KY 40390 | HUMANA HEALTH PLANS, INC. | $3K | — | $3K | 0.26% |
| FREEMAN INSURANCE SERVICES LLC3 | 9607 MOORFIELD CIRCLE LOUISVILLE, KY 40241 | HUMANA HEALTH PLANS, INC. | $1K | $2K | $3K | 0.22% |
| STEVEN PARRISH3 | 4170 TRADITION WAY LEXINGTON, KY 40509 | HUMANA HEALTH PLANS, INC. | $957 | — | $957 | 0.07% |
| VFG WEALTH MANAGEMENT3 | 131 PROSPEROUS PLACE, STE 14A LEXINGTON, KY 40509 | HUMANA HEALTH PLANS, INC. | $854 | — | $854 | 0.06% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE | 13800 JACKSON RD MISHAWAKA, IN 46544 | HUMANA HEALTH PLANS, INC. | $767 | — | $767 | 0.06% |
| AGENTLINK3 | P.O. BOX 23570 LOUISVILLE, KY 40223 | HUMANA HEALTH PLANS, INC. | $683 | $61 | $744 | 0.06% |
| PIKE & PRESTON LLC3 | 444 E. MAIN STREET STE 204 LEXINGTON, KY 40507 | HUMANA HEALTH PLANS, INC. | $61 | — | $61 | 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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLANS, INC. | 295 | $1.3M |
| Prescription drug | HUMANA HEALTH PLANS, INC. | 295 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.