| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LISA MATTINGLY3 | 600 W. MAIN STREET, STE 400 LOUISVILLE, KY 40202 | HUMANA HEALTH PLAN, INC | $7K | — | $7K | 1.59% |
| CBISA REACQUISITION CORP3 | 2101 FLORENCE AVENUE CINCINNATI, OH 45206 | HUMANA HEALTH PLAN, INC | $6K | $715 | $6K | 1.53% |
| BENEFITING KENTUCKY, LLC3 | P.O. BOX 22126 LEXINGTON, KY 40522 | HUMANA HEALTH PLAN, INC | $5K | $1K | $6K | 1.40% |
| EMPLOYEE BENEFIT ASSOCIATES, INC.3 Filed as: EMPLOYEE BENEFIT ASSOCIATES INC | 1029 MONARCH STREET, STE 130 LEXINGTON, KY 40513 | HUMANA HEALTH PLAN, INC | $829 | $38 | $867 | 0.21% |
| STONEBRIDGE INSURANCE3 | 4325 LANDSDOWNE 4B OWNESBORO, KY 42303 | HUMANA HEALTH PLAN, INC | $303 | — | $303 | 0.07% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 1540 CORNERSTONE BLVD, STE 230 DAYTONA BEACH, FL 32117 | HUMANA HEALTH PLAN, INC | $72 | $7 | $79 | 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 | 40 | 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) | 40 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC | 74 | $411K |
| Prescription drug | HUMANA HEALTH PLAN, INC | 74 | $411K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 74 | — |
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.