| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING G THOMPSON COMPANY LLC3 Filed as: STERLING G THOMPSON CO | 545 SOUTH 3RD STREET, STE 300 LOUISVILLE, KY 40202 | HUMANA HEALTH PLAN, INC | $4K | — | $4K | 2.55% |
| CALLISTUS SMITH AGENCY, INC3 | 3415 PAOLI PIKE FLOYDS KNOBS, IN 47119 | HUMANA HEALTH PLAN, INC | $914 | — | $914 | 0.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY, INC | 13101 MAGISTERIAL DRIVE LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC | $674 | — | $674 | 0.39% |
| AL TORSTRICK INS AGENCY INC3 Filed as: AL TORSTRICK INSURANCE AGENCY, INC | 343 WALLER AVENUE, STE 101 LEXINGTON, KY 40504 | HUMANA HEALTH PLAN, INC | $203 | — | $203 | 0.12% |
| HIGGINS INSURANCE INC3 Filed as: HIGGINS INSURANCE, INC | P.O. BOX 552 HOPKINSVILLE, KY 42241 | HUMANA HEALTH PLAN, INC | $143 | — | $143 | 0.08% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC | 142 | $171K |
| Prescription drug | HUMANA HEALTH PLAN, INC | 142 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.