| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC | 505 WELLINGTON WAY LEXINGTON, KY 40503 | HUMANA HEALTH PLAN, INC | $3K | — | $3K | 0.90% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | P.O. BOX 62827 VIRGINIA BEACH, VA 23466 | HUMANA HEALTH PLAN, INC | $3K | — | $3K | 0.82% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC | 1750 SCOTTSVILLE ROAD, STE 4 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLAN, INC | $3K | — | $3K | 0.71% |
| SCHWARTZ AND ASSOCIATES INC.3 Filed as: SCHWARTZ & ASSOCIATES, INC | 2950 BRECKENRIDGE LANE LOUISVILLE, KY 40220 | HUMANA HEALTH PLAN, INC | $1K | — | $1K | 0.34% |
| CIS INSURANCE & INVESTMENTS3 | 550 SOUTH 5TH STREET, UNIT 303 LOUISVILLE, KY 40202 | HUMANA HEALTH PLAN, INC | $1K | — | $1K | 0.33% |
| MEDLINK INC3 Filed as: MEDLINK, INC | P.O. BOX 23570 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC | $799 | — | $799 | 0.21% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY3 Filed as: LOGAN LAVELLE INSURANCE AGENCY LLC | 11420 BLUEGRASS PARKWAY LOUISVILLE, KY 40299 | HUMANA HEALTH PLAN, INC | $521 | — | $521 | 0.14% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | P.O. BOX 99565 LOUISVILLE, KY 40269 | HUMANA HEALTH PLAN, INC | $379 | — | $379 | 0.10% |
| THE UNDERWRITERS GROUP INC3 Filed as: UNDERWRITERS GROUP, INC | P.O. BOX 23790 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC | $291 | — | $291 | 0.08% |
| KIW INSURANCE LLC3 Filed as: KIW INSURANCE, LLC | 10610 WATTERSON CENTER LOUISVILLE, KY 40299 | HUMANA HEALTH PLAN, INC | $236 | — | $236 | 0.06% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND, INC | P.O. BOX 427 BENTON, KY 42025 | HUMANA HEALTH PLAN, INC | $87 | — | $87 | 0.02% |
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 | 271 | 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) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC | 258 | $380K |
| Prescription drug | HUMANA HEALTH PLAN, INC | 258 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.