| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA MATTINGLY3 | 600 W. MAIN ST, STE 400 LOUISVILLE, KY 40202 | HUMANA HEALTH PLAN, INC | $11K | — | $11K | 0.56% |
| NELSON INSURANCE AGENCY3 Filed as: NELSON INSURANCE AGENCY INC | 2000 ENVOY CIRCLE LOUISVILLE, KY 40299 | HUMANA HEALTH PLAN, INC | $6K | $2K | $8K | 0.43% |
| ENERGY INSURANCE AGENCY INC3 | P.O. BOX 55268 LEXINGTON, KY 40555 | HUMANA HEALTH PLAN, INC | $6K | $420 | $7K | 0.35% |
| INSURANCE SOLUTIONS OF KY INC3 Filed as: INSURANCE SOLUTIONS OF KY INC. | 800 DIEDERICH BLVD RUSSELL, KY 41169 | HUMANA HEALTH PLAN, INC | $6K | — | $6K | 0.34% |
| PREFERRED BENEFITS LLC3 | 3702 BROWNSBORO ROAD LOUISVILLE, KY 40207 | HUMANA HEALTH PLAN, INC | $5K | $1K | $6K | 0.33% |
| PIKE & PRESTON LLC3 | 444 E. MAIN STREET, STE 204 LEXINGTON, KY 40507 | HUMANA HEALTH PLAN, INC | $5K | $177 | $6K | 0.29% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | 179 FAIRFIELD AVE BELLEVUE, KY 41073 | HUMANA HEALTH PLAN, INC | $5K | $247 | $5K | 0.28% |
| HOLLAND STIVERS EMPLOYER SOLUTIONS3 Filed as: HOLLAND STIVERS & ASSOCIATES | 2660 OLIVET CHURCH RD, STE 1 PADUCAH, KY 42001 | HUMANA HEALTH PLAN, INC | $5K | — | $5K | 0.24% |
| BYRNE, BYRNE AND COMPANY3 Filed as: BYRNE INSURANCE | 9401 WILLIAMSBURG PLAZA, STE 100 LOUISVILLE, KY 40222 | HUMANA HEALTH PLAN, INC | $3K | $831 | $4K | 0.20% |
| WLA INSURANCE LLC3 | 1246 S. THIRD STREET LOUISVILLE, KY 40203 | HUMANA HEALTH PLAN, INC | $3K | $139 | $3K | 0.17% |
| THE UNDERWRITERS GROUP INC3 Filed as: UNDERWRITERS GROUP | P.O. BOX 23790 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC | $2K | $301 | $3K | 0.14% |
| CIS INSURANCE & INVESTMENTS3 | 550 S. 5TH STREET, STE 303 LOUISVILLE, KY 40202 | HUMANA HEALTH PLAN, INC | $2K | $341 | $3K | 0.14% |
| EMPLOYEE BENEFIT ASSOCIATES, INC.3 Filed as: EMPLOYEE BENEFIT ASSOCIATES INC | 1029 MONARCH STREET, STE 130 LEXINGTON, KY 40513 | HUMANA HEALTH PLAN, INC | $2K | $141 | $2K | 0.11% |
| ZINSER BENEFIT SERVICES INC3 | 330 N. EVERGREEN ROAD, STE 6 LOUISVILLE, KY 40243 | HUMANA HEALTH PLAN, INC | $2K | $120 | $2K | 0.09% |
| INSURAMAX INC3 | 2200 GREENE WAY LOUISVILLE, KY 40220 | HUMANA HEALTH PLAN, INC | $2K | $133 | $2K | 0.09% |
| MEDLINK INC3 | P.O. BOX 23570 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC | $1K | $428 | $2K | 0.09% |
| CORNERSTONE-CBISA3 | 2101 FLORENCE AVE CINCINNATI, OH 45206 | HUMANA HEALTH PLAN, INC | $1K | $141 | $1K | 0.07% |
| FSAB LLC3 | 620 S. 3RD STREET, STE 102 LOUISVILLE, KY 40202 | HUMANA HEALTH PLAN, INC | $1K | — | $1K | 0.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: J. SMITH LANIER & COMPANY | 360 E. VINE ST, STE 200 LEXINGTON, KY 40507 | HUMANA HEALTH PLAN, INC | $918 | $31 | $949 | 0.05% |
| SHERRILL D MORGAN & ASSOCIATES3 Filed as: SHERRILL MORGAN | 525 W. FIFTH ST, STE 310 COVINGTON, KY 41011 | HUMANA HEALTH PLAN, INC | $784 | $51 | $835 | 0.04% |
| KIW INSURANCE LLC3 | 10610 WATTERSON CENTER CT, STE 102 LOUISVILLE, KY 40299 | HUMANA HEALTH PLAN, INC | $598 | $103 | $701 | 0.04% |
| INSURANCE WORKS INC3 | 103 WIND HAVEN DRIVE, STE 200 NICHOLASVILLE, KY 40356 | HUMANA HEALTH PLAN, INC | $567 | — | $567 | 0.03% |
| HYLANT GROUP INC3 Filed as: HYLAND BLOCK HYLAND | 1250 S. 3RD ST LOUISVILLE, KY 40203 | HUMANA HEALTH PLAN, INC | $449 | — | $449 | 0.02% |
| BUSINESS INSURANCE AGENCY3 Filed as: BUSINESS BENEFITS | 211 GRANDVIEW DRIVE, STE 307 FORT MITCHELL, KY 41017 | HUMANA HEALTH PLAN, INC | $400 | $27 | $427 | 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 | 615 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 615 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC | 411 | $1.9M |
| Prescription drug | HUMANA HEALTH PLAN, INC | 411 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.