| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREFERRED BENEFITS LLC3 Filed as: PREFERRED BENEFITS, LLC | 3702 BROWNSBORO ROAD LOUISVILLE, KY 40207 | HUMANA HEALTH PLAN, INC | $10K | $3K | $13K | 1.05% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | P.O. BOX 99565 LOUISVILLE, KY 40269 | HUMANA HEALTH PLAN, INC | $9K | $2K | $11K | 0.85% |
| MEDLINK INC3 | P.O. BOX 23570 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC | $7K | $3K | $10K | 0.82% |
| BENJAMIN BYRNE & ASSOCIATES3 Filed as: BENJAMIN BYRNE & ASSOCIATES LLC | 9401 WILLIAMSBURG PLAZA, STE 100 LOUISVILLE, KY 40222 | HUMANA HEALTH PLAN, INC | $4K | $1K | $5K | 0.42% |
| WLA INSURANCE LLC3 | 1246 S. THIRD STREET LOUISVILLE, KY 40203 | HUMANA HEALTH PLAN, INC | $4K | $2K | $5K | 0.42% |
| ZINSER BENEFIT SERVICES INC3 | 330 N. EVERGREEN ROAD, STE 6 LOUISVILLE, KY 40243 | HUMANA HEALTH PLAN, INC | $3K | $2K | $4K | 0.34% |
| AL TORSTRICK INS AGENCY INC3 Filed as: AL TORSTRICK INSURANCE AGENCY INC | 343 WALLER AVENUE, STE 101 LEXINGTON, KY 40504 | HUMANA HEALTH PLAN, INC | $3K | $494 | $3K | 0.25% |
| SCHWARTZ AND ASSOCIATES INC.3 Filed as: SCHWARTZ & ASSOCIATES | 2950 BRECKINRIDGE LANE, STE 8A LOUISVILLE, KY 40220 | HUMANA HEALTH PLAN, INC | $3K | $143 | $3K | 0.25% |
| HIGGINS INSURANCE INC3 | P.O. BOX 552 HOPKINSVILLE, KY 42241 | HUMANA HEALTH PLAN, INC | $1K | $578 | $2K | 0.16% |
| CIS INSURANCE & INVESTMENTS3 | 550 S. 5TH STREET, STE 303 LOUISVILLE, KY 40202 | HUMANA HEALTH PLAN, INC | $1K | $623 | $2K | 0.15% |
| NELSON INSURANCE AGENCY3 Filed as: NELSON INSURANCE AGENCY INC | 2000 ENVOY CIRCLE LOUISVILLE, KY 40299 | HUMANA HEALTH PLAN, INC | $997 | $688 | $2K | 0.14% |
| ASSUREDPARTNERS3 Filed as: PEEL & HOLLAND INC | P.O. BOX 427 BENTON, KY 42025 | HUMANA HEALTH PLAN, INC | $1K | $60 | $1K | 0.11% |
| GARRETT-STOTZ COMPANY3 | 1601 ALLIANT AVENUE LOUISVILLE, KY 40299 | HUMANA HEALTH PLAN, INC | $769 | $46 | $815 | 0.07% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTION AGENCY | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC | $496 | $279 | $775 | 0.06% |
| THE UNDERWRITERS GROUP INC3 Filed as: UNDERWRITERS GROUP INC | P.O. BOX 23790 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC | $386 | $107 | $493 | 0.04% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD, STE 4 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLAN, INC | $298 | $60 | $358 | 0.03% |
| DONALD LESLIE3 | P.O. BOX 540 NORTH VERNON, IN 47265 | HUMANA HEALTH PLAN, INC | $112 | — | $112 | 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 | 504 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC | 343 | $1.2M |
| Prescription drug | HUMANA HEALTH PLAN, INC | 343 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.