| 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. | $11K | $264 | $11K | 0.72% |
| AL TORSTRICK INS AGENCY INC3 Filed as: AL TORSTRICK INSURANCE AGENCY, INC | 343 WALLER AVENUE STE 101 LEXINGTON, KY 40504 | HUMANA HEALTH PLAN, INC. | $6K | $3K | $9K | 0.60% |
| BENESOLVE LLC3 | 713 TUCKER STATION ROAD LOUISVILLE, KY 40243 | HUMANA HEALTH PLAN, INC. | $5K | — | $5K | 0.33% |
| MEDLINK INC3 | P.O. BOX 23570 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $3K | $2K | $5K | 0.31% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES | 38 ROUSS AVENUE STE 100 WINCHESTER, VA 22601 | HUMANA HEALTH PLAN, INC. | $4K | $789 | $5K | 0.30% |
| THE EMPLOYERS BENEFIT GROUP, LLC3 Filed as: EMPLOYERS BENEFIT SERVICES INC | P.O. BOX 22111 LEXINGTON, KY 40522 | HUMANA HEALTH PLAN, INC. | $4K | $148 | $4K | 0.28% |
| INSURANCE WORKS INC3 | 103 WIND HAVEN DRIVE, STE 200 NICHOLASVILLE, KY 40356 | HUMANA HEALTH PLAN, INC. | $2K | $2K | $4K | 0.24% |
| TOOHEY INSURANCE SERVICES LLC3 | P.O. BOX 1265 SOMERSET, KY 42502 | HUMANA HEALTH PLAN, INC. | $2K | $1K | $3K | 0.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN-J SMITH LANIER | 360 E. VINE STREET LEXINGTON, KY 40507 | HUMANA HEALTH PLAN, INC. | $3K | $159 | $3K | 0.21% |
| BENNETT & BAYS INSURANCE SERVICES3 | 106-2 ST JAMES COURT FRANKFORT, KY 40601 | HUMANA HEALTH PLAN, INC. | $2K | $750 | $2K | 0.17% |
| ENERGY INSURANCE AGENCY INC3 | P.O. BOX 55268 LEXINGTON, KY 40555 | HUMANA HEALTH PLAN, INC. | $2K | $221 | $2K | 0.16% |
| FORSYHE & ASSOCIATES INC3 | P.O. BOX 55287 LEXINGTON, KY 40555 | HUMANA HEALTH PLAN, INC. | $2K | $500 | $2K | 0.16% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD, STE 4 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLAN, INC. | $2K | $368 | $2K | 0.16% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | HUMANA HEALTH PLAN, INC. | $2K | $500 | $2K | 0.14% |
| CINDY PAYNE3 | 3005 WOODFIELD CIRCLE RICHMOND, KY 40475 | HUMANA HEALTH PLAN, INC. | $1K | $500 | $2K | 0.13% |
| NELSON INSURANCE AGENCY3 | 2000 ENVOY CIRCLE LOUISVILLE, KY 40299 | HUMANA HEALTH PLAN, INC. | $1K | $582 | $2K | 0.12% |
| CBISA REACQUISITION CORP3 | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | HUMANA HEALTH PLAN, INC. | $1K | $489 | $2K | 0.11% |
| THE EMPLOYERS BENEFIT GROUP, LLC3 Filed as: EMPLOYERS BENEFIT SERVICES, INC | 1029 MONARCH STREET STE 130 LEXINGTON, KY 40513 | HUMANA HEALTH PLAN, INC. | $1K | $60 | $2K | 0.10% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE | 13800 JACKSON ROAD MISHAWAKA, IN 46544 | HUMANA HEALTH PLAN, INC. | $1K | $156 | $1K | 0.09% |
| WILLIAM NEIKIRK3 | P.O. BOX 814 SOMERSET, KY 42502 | HUMANA HEALTH PLAN, INC. | $1K | $104 | $1K | 0.08% |
| E M FORD & CO LLC3 Filed as: E M FORD & COMPANY LLC | P.O. BOX 1677 OWENSBORO, KY 42302 | HUMANA HEALTH PLAN, INC. | $572 | $500 | $1K | 0.07% |
| GRIFFITH-CATLETT-HAMPTON INC.3 Filed as: GRIFFITH-CATLETT-HAMPTON INC | 2250 THUNDERSTICK DRIVE, STE 1104 LEXINGTON, KY 40505 | HUMANA HEALTH PLAN, INC. | $1K | $30 | $1K | 0.07% |
| STEVEN PARRISH3 | 341 KINGSWAY LEXINGTON, KY 40502 | HUMANA HEALTH PLAN, INC. | $302 | $500 | $802 | 0.05% |
| NEELY & WADE INS AGENCY LLC3 | 31 W. HICKMAN STREET WINCHESTER, KY 40391 | HUMANA HEALTH PLAN, INC. | $290 | $500 | $790 | 0.05% |
| PREFERRED BENEFITS LLC3 | 3702 BROWNSBORO ROAD LOUISVILLE, KY 40207 | HUMANA HEALTH PLAN, INC. | $227 | $542 | $769 | 0.05% |
| KIW INSURANCE LLC3 | 10610 WATTERSON CENTER COURT LOUISVILLE, KY 40299 | HUMANA HEALTH PLAN, INC. | $395 | $28 | $423 | 0.03% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS AGENCY | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $216 | $54 | $270 | 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 | 435 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 335 | $1.5M |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 335 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 335 | — |
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.
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.