| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE ROAD, STE 4 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLAN, INC | $12K | $2K | $14K | 1.30% |
| BENEFIT INSURANCE MARKETING, INC.3 Filed as: BENEFIT INSURANCE MARKETING, INC | 1151 RED MILE ROAD LEXINGTON, KY 40504 | HUMANA HEALTH PLAN, INC | $8K | $206 | $8K | 0.76% |
| J CRAIG RIDDLE COMPANY3 Filed as: J CRAIG RIDDLE CO INC | 245 S. MAIN STREET MADISONVILLE, KY 42431 | HUMANA HEALTH PLAN, INC | $6K | — | $6K | 0.60% |
| NELSON INSURANCE AGENCY3 Filed as: NELSON INSURANCE AGENCY INC | 2000 ENVOY CIRCLE LOUISVILLE, KY 40299 | HUMANA HEALTH PLAN, INC | $3K | $1K | $4K | 0.41% |
| ENERGY INSURANCE AGENCY INC3 | P.O. BOX 55268 LEXINGTON, KY 40555 | HUMANA HEALTH PLAN, INC | $2K | $103 | $2K | 0.23% |
| PREFERRED BENEFITS LLC3 | 3702 BROWNSBORO ROAD LOUISVILLE, KY 40207 | HUMANA HEALTH PLAN, INC | $1K | $1K | $2K | 0.21% |
| PIKE & PRESTON LLC3 | 444 E. MAIN STREET, STE 204 LEXINGTON, KY 40507 | HUMANA HEALTH PLAN, INC | $2K | $47 | $2K | 0.20% |
| INSURAMAX INC3 | 2200 GREENE WAY LOUISVILLE, KY 40220 | HUMANA HEALTH PLAN, INC | $2K | $138 | $2K | 0.19% |
| CIS INSURANCE & INVESTMENTS3 | 550 S. 5TH STREET, STE 303 LOUISVILLE, KY 40202 | HUMANA HEALTH PLAN, INC | $1K | $648 | $2K | 0.18% |
| WLA INSURANCE LLC3 | 1246 S. THIRD STREET LOUISVILLE, KY 40203 | HUMANA HEALTH PLAN, INC | $1K | $91 | $1K | 0.14% |
| MEDLINK INC3 | P.O. BOX 23570 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC | $582 | $604 | $1K | 0.11% |
| EMPLOYEE BENEFIT ASSOCIATES, INC.3 Filed as: EMPLOYEE BENEFIT ASSOCIATES INC | 1029 MONARCH STREET, STE 130 LEXINGTON, KY 40513 | HUMANA HEALTH PLAN, INC | $789 | $43 | $832 | 0.08% |
| ASSUREDPARTNERS3 Filed as: ASSURED NL INS AGENCY INC | 243 SIR BARTON WAY, STE 400 LEXINGTON, KY 40509 | HUMANA HEALTH PLAN, INC | $659 | $132 | $791 | 0.07% |
| ZINSER BENEFIT SERVICES INC3 | 330 N. EVERGREEN ROAD, STE 6 LOUISVILLE, KY 40243 | HUMANA HEALTH PLAN, INC | $738 | $52 | $790 | 0.07% |
| NEELY & WADE INS AGENCY LLC3 Filed as: NEELY & WADE INSURANCE AGENCY LLC | 31 W. HICKMAN STREET WINCHESTER, KY 40391 | HUMANA HEALTH PLAN, INC | $387 | — | $387 | 0.04% |
| FSAB LLC3 | 620 S. 3RD STREET, STE 102 LOUISVILLE, KY 40202 | HUMANA HEALTH PLAN, INC | $345 | — | $345 | 0.03% |
| BENJAMIN BYRNE & ASSOCIATES3 Filed as: BENJAMIN BYRNE & ASSOCIATES LLC | 9401 WILLIAMSBURG PLAZA, STE 100 LOUISVILLE, KY 40222 | HUMANA HEALTH PLAN, INC | $239 | $60 | $299 | 0.03% |
| KIW INSURANCE LLC3 | 10610 WATTERSON CENTER CT, STE 102 LOUISVILLE, KY 40299 | HUMANA HEALTH PLAN, INC | $223 | $29 | $252 | 0.02% |
| INSURANCE WORKS INC3 | 103 WIND HAVEN DRIVE, STE 20 NICHOLASVILLE, KY 40356 | HUMANA HEALTH PLAN, INC | $95 | — | $95 | 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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC | 210 | $1.1M |
| Prescription drug | HUMANA HEALTH PLAN, INC | 210 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
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.