| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREFERRED BENEFITS LLC3 | 3702 BROWNSBORO RD LOUISVILLE, KY 40207 | HUMANA HEALTH PLAN, INC. | $12K | $407 | $12K | 0.70% |
| MORGAN TREVATHAN GUNN INC3 Filed as: MORGAN TREVATHAN & GUNN | P.O. BOX 487 BENTON, KY 42025 | HUMANA HEALTH PLAN, INC. | $9K | — | $9K | 0.48% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | HUMANA HEALTH PLAN, INC. | $7K | $1K | $8K | 0.46% |
| NELSON INSURANCE AGENCY3 Filed as: NELSON INSURANCE AGENCY INC | 2000 ENVOY CIRCLE LOUISVILLE, KY 40299 | HUMANA HEALTH PLAN, INC. | $7K | $730 | $8K | 0.44% |
| THE UNDERWRITERS GROUP INC3 | P.O. BOX 23790 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $7K | — | $7K | 0.38% |
| BENJAMIN BYRNE & ASSOCIATES3 Filed as: BENJAMIN BYRNE & ASSOCIATES LLC | 9401 WILLIAMSBURG PLAZA, STE 100 LOUISVILLE, KY 40222 | HUMANA HEALTH PLAN, INC. | $4K | $670 | $5K | 0.27% |
| E M FORD & CO LLC3 Filed as: EM FORD & CO, LLC | 600 FREDERICA ST OWENSBORO, KY 42301 | HUMANA HEALTH PLAN, INC. | $3K | $1K | $5K | 0.25% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GRP INC | 1750 SCOTTSVILLE RD, STE 4 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLAN, INC. | $3K | $833 | $4K | 0.24% |
| WLA INSURANCE LLC3 | 1246 S. THIRD ST LOUISVILLE, KY 40203 | HUMANA HEALTH PLAN, INC. | $3K | $255 | $4K | 0.20% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF KY LLC | 179 FAIRFIELD AVE BELLEVUE, KY 41073 | HUMANA HEALTH PLAN, INC. | $3K | — | $3K | 0.18% |
| INSURAMAX INC3 | 2200 GREENE WAY LOUISVILLE, KY 40220 | HUMANA HEALTH PLAN, INC. | $3K | $280 | $3K | 0.17% |
| ZINSER BENEFIT SERVICES INC3 | 330 N. EVERGREEN RD, #6 LOUISVILLE, KY 40243 | HUMANA HEALTH PLAN, INC. | $3K | — | $3K | 0.17% |
| CIS INSURANCE & INVESTMENTS3 | 550 S. 5TH STREET, UNIT 303 LOUISVILLE, KY 40202 | HUMANA HEALTH PLAN, INC. | $2K | $604 | $3K | 0.16% |
| DAVID LONG3 | 100 N. WEINBACH AVE EVANSVILLE, IN 47711 | HUMANA HEALTH PLAN, INC. | $2K | — | $2K | 0.13% |
| HYLANT GROUP INC3 Filed as: HYLAND BLOCK & HYLAND INC | 1250 S. 3RD STREET LOUISVILLE, KY 40203 | HUMANA HEALTH PLAN, INC. | $2K | $334 | $2K | 0.12% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | P.O. BOX 23570 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $1K | $213 | $2K | 0.09% |
| KIW INSURANCE LLC3 | 10610 WATTERSON CENTER CT, STE 102 LOUISVILLE, KY 40299 | HUMANA HEALTH PLAN, INC. | $534 | — | $534 | 0.03% |
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 | 276 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 453 | $1.8M |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 453 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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.