| 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 | $24K | $2K | $26K | 0.95% |
| ZINSER BENEFIT SERVICES INC3 | 330 N. EVERGREEN ROAD, STE 6 LOUISVILLE, KY 40243 | HUMANA HEALTH PLAN, INC | $18K | $4K | $22K | 0.81% |
| BENJAMIN BYRNE & ASSOCIATES3 Filed as: BENJAMIN BYRNE & ASSOCIATES LLC | 9401 WILLIAMSBURG PLAZA, STE 100 LOUISVILLE, KY 40222 | HUMANA HEALTH PLAN, INC | $14K | $4K | $18K | 0.67% |
| PREFERRED BENEFITS LLC3 | 3702 BROWNSBORO ROAD LOUISVILLE, KY 40207 | HUMANA HEALTH PLAN, INC | $7K | $7K | $14K | 0.50% |
| MEDLINK INC3 | P.O. BOX 23570 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC | $8K | $3K | $11K | 0.41% |
| INSURAMAX INC3 | 2200 GREENE WAY LOUISVILLE, KY 40220 | HUMANA HEALTH PLAN, INC | $7K | $504 | $8K | 0.28% |
| NELSON INSURANCE AGENCY3 | 2000 ENVOY CIRCLE LOUISVILLE, KY 40299 | HUMANA HEALTH PLAN, INC | $4K | $3K | $7K | 0.26% |
| HIGGINS INSURANCE INC3 Filed as: HIGGINS INSURANCE, INC | P.O. BOX 552 HOPKINSVILLE, KY 42241 | HUMANA HEALTH PLAN, INC | $5K | $2K | $7K | 0.25% |
| CIS INSURANCE & INVESTMENTS3 | 550 S. 5TH STREET, STE 203 LOUISVILLE, KY 40202 | HUMANA HEALTH PLAN, INC | $4K | $2K | $6K | 0.21% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF KY, INC | 13101 MAGISTERIAL DRIVE, STE 200 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC | $4K | $202 | $4K | 0.16% |
| CALLISTUS SMITH AGENCY, INC3 | 3415 PAOLI PIKE FLOYDS KNOBS, IN 47119 | HUMANA HEALTH PLAN, INC | $4K | $58 | $4K | 0.14% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE RD, STE 4 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLAN, INC | $2K | $2K | $4K | 0.13% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | P.O. BOX 99565 LOUISVILLE, KY 40269 | HUMANA HEALTH PLAN, INC | $2K | $936 | $3K | 0.11% |
| SCHWARTZ AND ASSOCIATES INC.3 Filed as: SCHWARTZ & ASSOCIATES | 2950 BRECKINRIDGE LANE, STE 8A LOUISVILLE, KY 40220 | HUMANA HEALTH PLAN, INC | $2K | $626 | $3K | 0.10% |
| KIW INSURANCE LLC3 | 10610 WATTERSON CENTER CT, STE 102 LOUISVILLE, KY 40299 | HUMANA HEALTH PLAN, INC | $910 | $600 | $2K | 0.06% |
| INTEGRO INSURANCE BROKERS3 Filed as: EPIC INSURANCE SOLUTIONS | 9700 ORMSBY STATION ROAD LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC | $1K | $335 | $1K | 0.05% |
| GREEN & HALLIBURTON INC3 | 521 BARRET AVENUE LOUISVILLE, KY 40204 | HUMANA HEALTH PLAN, INC | $1K | — | $1K | 0.04% |
| FSAB LLC3 | 620 S. 3RD STREET, STE 102 LOUISVILLE, KY 40202 | HUMANA HEALTH PLAN, INC | $455 | — | $455 | 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 | 784 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 784 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC | 607 | $2.7M |
| Prescription drug | HUMANA HEALTH PLAN, INC | 607 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 607 | — |
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.
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.