| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | 1750 SCOTTSVILLE ROAD, STE 4 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLAN, INC. | $14K | $594 | $15K | 0.49% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | P.O. BOX 23570 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $12K | $871 | $13K | 0.42% |
| FOUNDATION RISK PARTNERS CORP3 | 1540 CORNERSTONE PKWY, STE 230 DAYTONA BEACH, FL 32117 | HUMANA HEALTH PLAN, INC. | $11K | $1K | $12K | 0.40% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERV INC | 2600 EASTPOINT PKWY LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $10K | $1K | $11K | 0.38% |
| BENEFIT INSURANCE MKTING INC3 | 1151 RED MILL RD LEXINGTON, KY 40504 | HUMANA HEALTH PLAN, INC. | $8K | $1K | $9K | 0.32% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INSURANCE | 13800 JACKSON RD MISHAWAKA, IN 46544 | HUMANA HEALTH PLAN, INC. | $6K | $1K | $7K | 0.24% |
| GCH INSURANCE3 | 35000 KAISER CT, STE 300 WILLOUGHBY, OH 44094 | HUMANA HEALTH PLAN, INC. | $7K | $382 | $7K | 0.24% |
| STONEBRIDGE INSURANCE3 Filed as: STONEBRIDGE INSURANCE PLLC | 3131 CUSTER DRIVE, STE 4B LEXINGTON, KY 40517 | HUMANA HEALTH PLAN, INC. | $7K | — | $7K | 0.23% |
| ENERGY INSURANCE AGENCY INC3 | P.O. BOX 55268 LEXINGTON, KY 40555 | HUMANA HEALTH PLAN, INC. | $7K | — | $7K | 0.22% |
| MAVERICK INSURANCE3 | 9780 ORMSBY STATION RD, STE 1500 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $6K | — | $6K | 0.20% |
| E M FORD & CO LLC3 | 600 FREDERICA STREET OWENSBORO, KY 42301 | HUMANA HEALTH PLAN, INC. | $5K | — | $5K | 0.17% |
| HOLLAND STIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLAND STIVERS & ASSOCIATES | 2660 OLIVET CHURCH RD, STE 1 PADUCAH, KY 42001 | HUMANA HEALTH PLAN, INC. | $5K | — | $5K | 0.15% |
| TOOTHY INSURANCE SERVICES LLC3 | P.O. BOX 1265 SOMERSET, KY 42502 | HUMANA HEALTH PLAN, INC. | $4K | — | $4K | 0.14% |
| BENJAMIN BYRNE & ASSOCIATES3 Filed as: BENJAMIN J BYRNE & ASSOCIATES | 9401 WILLIAMSBURG PLAZA STE 100 LOUISVILLE, KY 40222 | HUMANA HEALTH PLAN, INC. | $3K | $638 | $4K | 0.13% |
| JASON YOUNG & ASSOCIATES3 | 131 PROSPEROUS PLACE, STE 14A LEXINGTON, KY 40509 | HUMANA HEALTH PLAN, INC. | $4K | — | $4K | 0.13% |
| INSURANCE WORKS INC3 | 103 WIND HAVEN DRIVE, STE 200 NICHOLASVILLE, KY 40356 | HUMANA HEALTH PLAN, INC. | $3K | $375 | $4K | 0.12% |
| EMPLOYEE BENEFIT ASSOCIATES, INC.3 Filed as: EMPLOYEE BENEFIT ASSOCIATES | 1029 MONARCH ST, STE 130 LEXINGTON, KY 40513 | HUMANA HEALTH PLAN, INC. | $3K | $84 | $3K | 0.09% |
| CENTRAL BANK INSURANCE AGENCY3 | 550 S. 5TH STREET, UNIT 303 LOUISVILLE, KY 40202 | HUMANA HEALTH PLAN, INC. | $598 | $2K | $2K | 0.08% |
| EPIC3 Filed as: EPIC INSURANCE | 1540 CORNERSTONE BLVD, STE 230 DAYTONA BEACH, FL 32117 | HUMANA HEALTH PLAN, INC. | $2K | $179 | $2K | 0.06% |
| ACRISURE LLC3 | 35000 KAISER CT, STE 300 WILLOUGHBY, OH 44094 | HUMANA HEALTH PLAN, INC. | $1K | $93 | $2K | 0.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGY | 9300 SHELBYVILLE RD, STE 1004 LOUISVILLE, KY 40222 | HUMANA HEALTH PLAN, INC. | $1K | $40 | $1K | 0.04% |
| PREFERRED BENEFITS LLC3 | 3702 BROWNSBORO RD LOUISVILLE, KY 40207 | HUMANA HEALTH PLAN, INC. | $1K | $273 | $1K | 0.04% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | HUMANA HEALTH PLAN, INC. | $1K | $272 | $1K | 0.04% |
| WILLIAM NEIKIRK3 | P.O. BOX 814 SOMERSET, KY 42502 | HUMANA HEALTH PLAN, INC. | $868 | $77 | $945 | 0.03% |
| JASON YOUNG & ASSOCIATES3 | 131 PROSPEROUS PLACE, STE 14A LEXINGTON, KY 40509 | HUMANA HEALTH PLAN, INC. | $363 | $500 | $863 | 0.03% |
| FORSYTHE & ASSOCIATES INC3 | P.O. BOX 55287 LEXINGTON, KY 40555 | HUMANA HEALTH PLAN, INC. | $800 | — | $800 | 0.03% |
| MARK ONISHI3 | 3024 ROUNDWAY DOWN LN LEXINGTON, KY 40509 | HUMANA HEALTH PLAN, INC. | $499 | — | $499 | 0.02% |
| ROBERT BERNARD SCHMUTTE3 Filed as: ROBERT SCHMUTTE | 4999 HARTLAND PKWY LEXINGTON, KY 40515 | HUMANA HEALTH PLAN, INC. | $234 | $50 | $284 | 0.01% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 131 PROSPEROUS PLACE, STE 14A LEXINGTON, KY 40509 | HUMANA HEALTH PLAN, INC. | $192 | — | $192 | 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 | 373 | 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) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 627 | $3.0M |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 627 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 627 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.