| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIS INSURANCE & INVESTMENTS3 | 550 SOUTH 5TH STREET, UNIT 303 LOUISVILLE, KY 40202 | HUMANA HEALTH PLAN, INC | $55K | $8K | $63K | 0.68% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC | 1750 SCOTTSVILLE ROAD, STE 4 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLAN, INC | $36K | $6K | $43K | 0.46% |
| BENJAMIN BYRNE & ASSOCIATES3 | 9401 WILLIAMSBURG PLAZA, STE 100 LOUISVILLE, KY 40222 | HUMANA HEALTH PLAN, INC | $21K | $5K | $27K | 0.29% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 435 N. WHITTINGTON PKWY, STE 300 LOUISVILLE, KY 40222 | HUMANA HEALTH PLAN, INC | $20K | $2K | $22K | 0.23% |
| BENEFIT INSURANCE MKTING INC3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | HUMANA HEALTH PLAN, INC | $19K | $3K | $21K | 0.23% |
| HIGGINS INSURANCE INC3 | P.O. BOX 552 HOPKINSVILLE, KY 42241 | HUMANA HEALTH PLAN, INC | $19K | — | $19K | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD, 4FL ROLLING MEADOWS, IL 60008 | HUMANA HEALTH PLAN, INC | $16K | $944 | $17K | 0.18% |
| THE UNDERWRITERS GROUP INC3 Filed as: UNDERWRITERS GROUP, INC | P.O. BOX 23790 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC | $14K | $3K | $17K | 0.18% |
| PREFERRED BENEFITS LLC3 | 3702 BROWNSBORO ROAD LOUISVILLE, KY 40207 | HUMANA HEALTH PLAN, INC | $14K | $2K | $16K | 0.17% |
| THOMAS SOUTHWOOD3 | 8999 BLACKSTONE DRIVE NEWBURGH, IN 47630 | HUMANA HEALTH PLAN, INC | $15K | — | $15K | 0.16% |
| NELSON INSURANCE AGENCY3 | 2000 ENVOY CIRCLE LOUISVILLE, KY 40299 | HUMANA HEALTH PLAN, INC | $9K | $3K | $12K | 0.13% |
| SCHWARTZ AND ASSOCIATES INC.3 Filed as: SCHWARTZ & ASSOCIATES | 2950 BRECKENRIDGE LANE, STE 8A LOUISVILLE, KY 40220 | HUMANA HEALTH PLAN, INC | $12K | $245 | $12K | 0.13% |
| WLA INSURANCE LLC3 Filed as: WLA INSURANCE | 1246 SOUTH THIRD STREET LOUISVILLE, KY 40202 | HUMANA HEALTH PLAN, INC | $8K | $3K | $11K | 0.11% |
| INSURAMAX INC3 Filed as: INSURAMAX | 805 N. WHITTINGTON PKWY, #150 LOUISVILLE, KY 40222 | HUMANA HEALTH PLAN, INC | $9K | $986 | $10K | 0.11% |
| E M FORD & CO LLC3 Filed as: EM FORD | 600 FREDERICA STREET OWENSBORO, KY 42301 | HUMANA HEALTH PLAN, INC | $6K | $3K | $9K | 0.10% |
| HYLANT GROUP INC3 Filed as: HYLAND BLOCK & HYLAND | 9750 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC | $8K | $741 | $8K | 0.09% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE DBA LLH INS | 11420 BLUEGRASS PKWY LOUISVILLE, KY 40299 | HUMANA HEALTH PLAN, INC | $8K | — | $8K | 0.09% |
| WESSEL INSURANCE3 | 4101 CANE RUN RD LOUISVILLE, KY 40216 | HUMANA HEALTH PLAN, INC | $5K | $2K | $8K | 0.09% |
| WEALTH MGMT GRP3 | 822 NORTHGATE BLVD, STE 10 NEW ALBANY, IN 47150 | HUMANA HEALTH PLAN, INC | $7K | $324 | $7K | 0.08% |
| VANCIL INSURANCE SERVICES LLC3 | P.O. BOX 1331 OWENSBORO, KY 42302 | HUMANA HEALTH PLAN, INC | $7K | — | $7K | 0.07% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 1540 CORNERSTONE BLVD, STE 230 DAYTONA BEACH, FL 32117 | HUMANA HEALTH PLAN, INC | $7K | $273 | $7K | 0.07% |
| HIRAM D SNOWDEN AND ASSOCIATES3 Filed as: HIRAM SNOWDEN & ASSOCIATES INC | 812 LYNDON LN, STE 101 LOUISVILLE, KY 40222 | HUMANA HEALTH PLAN, INC | $6K | $576 | $6K | 0.07% |
| ACCRETIVE WHOLESALE INSURANCE SERVI3 Filed as: ACCRETIVE WHOLESALE INSURANCE | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC | $5K | $580 | $6K | 0.06% |
| ZINSER BENEFIT SERVICES INC3 | 330 N. EVERGREEN RD #6 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC | $6K | — | $6K | 0.06% |
| HR BENEFITS SERVICES, INC.3 Filed as: BENEFITS 7, INC. | 780 OLD WHEATLAND ROAD VINCENNES, IN 47591 | HUMANA HEALTH PLAN, INC | $5K | $144 | $5K | 0.06% |
| THE LIFE ASSOCIATES INC3 | P.O. BOX 226 BENTON, KY 42025 | HUMANA HEALTH PLAN, INC | $5K | — | $5K | 0.05% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 3620 BLACKISTON BLVD, STE 100 NEW ALBANY, IN 47150 | HUMANA HEALTH PLAN, INC | $4K | $442 | $5K | 0.05% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE | 111 CONGRESSIONAL BLVD, STE 100 CARMEL, IN 46032 | HUMANA HEALTH PLAN, INC | $3K | $1K | $4K | 0.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE | 950 BRECKINRIDGE LANE, STE 50 LOUISVILLE, KY 40207 | HUMANA HEALTH PLAN, INC | $3K | $1K | $4K | 0.05% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND | P.O. BOX 427 BENTON, KY 42025 | HUMANA HEALTH PLAN, INC | $3K | $790 | $4K | 0.04% |
| STONEBRIDGE INSURANCE3 Filed as: STONEBRIDGE INSURANCE PLLC | 4325 N LANDSDOWNE 4B OWENSBORO, KY 42303 | HUMANA HEALTH PLAN, INC | $3K | — | $3K | 0.04% |
| LOGAN LAVELLE HUNT INSURANCE AGENCY3 Filed as: LOGAN, LAVELLE & HUNT | 11420 BLUEGRASS PKWY LOUISVILLE, KY 40299 | HUMANA HEALTH PLAN, INC | $3K | — | $3K | 0.04% |
| SNOWDEN & ASSOCIATES3 | 812 LYNDON LN, STE 101 LOUISVILLE, KY 40222 | HUMANA HEALTH PLAN, INC | $2K | $317 | $3K | 0.03% |
| TRACY HARDIN3 | 5140 CHARLESTOWN RD, STE 4A NEW ALBANY, IN 47150 | HUMANA HEALTH PLAN, INC | $2K | $104 | $2K | 0.02% |
| AHA INSURANCE NETWORK3 | 9750 ORMSBY STATION RD LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC | $2K | $240 | $2K | 0.02% |
| RIDDLE INSURANCE3 | 245 S. MAIN STREET MADISONVILLE, KY 42431 | HUMANA HEALTH PLAN, INC | $2K | — | $2K | 0.02% |
| BIM GROUP3 | 1151 RED MILE ROAD LEXINGTON, KY 40504 | HUMANA HEALTH PLAN, INC | $1K | — | $1K | 0.01% |
| FSAB LLC3 | 620 S. THIRD STREET, STE 102 LOUISVILLE, KY 40202 | HUMANA HEALTH PLAN, INC | $440 | $750 | $1K | 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 | 937 | 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) | 937 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC | 1,963 | $9.3M |
| Prescription drug | HUMANA HEALTH PLAN, INC | 1,963 | $9.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,963 | — |
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.