| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PIKE & PRESTON LLC3 | 444 EAST MAIN STREET STE 204 LEXINGTON, KY 40507 | HUMANA HEALTH PLAN, INC. | $1K | — | $1K | 1.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J SMITH LANIER & COMPANY | 360 EAST VINE STREET LEXINGTON, KY 40507 | HUMANA HEALTH PLAN, INC. | $702 | — | $702 | 0.88% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB&T INSURANCE SERVICE, INC | 38 ROUSS AVENUE STE 100 WINCHESTER, VA 22601 | HUMANA HEALTH PLAN, INC. | $625 | — | $625 | 0.78% |
| AL TORSTRICK INS AGENCY INC3 Filed as: AL TORSTRICK INSURANCE AGENCY, INC | 343 WALLER AVENUE STE 101 LEXINGTON, KY 40504 | HUMANA HEALTH PLAN, INC. | $535 | — | $535 | 0.67% |
| BENNETT & BAYS INSURANCE SERVICES3 | 1516 LOUISVILLE ROAD FRANKFORT, KY 40601 | HUMANA HEALTH PLAN, INC. | $360 | — | $360 | 0.45% |
| EMPLOYEE BENEFIT ASSOCIATES, INC.3 Filed as: EMPLOYEE BENEFIT ASSOCIATES, INC | 1029 MONARCH STREET STE 130 LEXINGTON, KY 40513 | HUMANA HEALTH PLAN, INC. | $207 | — | $207 | 0.26% |
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 | 79 | 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) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 78 | $80K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 78 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 78 | — |
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.