| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MORGAN TREVATHAN GUNN INC3 Filed as: MORGAN TREVATHAN & GUNN | P.O. BOX 487 BENTON, KY 42025 | HUMANA HEALTH PLAN, INC. | $16K | — | $16K | 0.56% |
| PREFERRED BENEFITS LLC3 | 3702 BROWNSBORO RD LOUISVILLE, KY 40207 | HUMANA HEALTH PLAN, INC. | $14K | $1K | $15K | 0.52% |
| E M FORD & CO LLC3 Filed as: EM FORD & CO, LLC | 600 FREDERICA ST OWENSBORO, KY 42301 | HUMANA HEALTH PLAN, INC. | $11K | $403 | $11K | 0.39% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GRP INC | 1750 SCOTTSVILLE RD, STE 4 BOWLING GREEN, KY 42104 | HUMANA HEALTH PLAN, INC. | $9K | $1K | $10K | 0.35% |
| THE UNDERWRITERS GROUP INC3 | P.O. BOX 23790 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $9K | $1K | $10K | 0.35% |
| DAVID LONG3 | 100 N. WEINBACH AVE EVANSVILLE, IN 47711 | HUMANA HEALTH PLAN, INC. | $8K | — | $8K | 0.29% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | P.O. BOX 23570 LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $8K | $525 | $8K | 0.28% |
| INSURAMAX INC3 | 805 N. WHITTINGTON PKWY, STE 150 LOUISVILLE, KY 40222 | HUMANA HEALTH PLAN, INC. | $6K | $2K | $8K | 0.27% |
| CIS INSURANCE & INVESTMENTS3 | 550 S. 5TH STREET, UNIT 303 LOUISVILLE, KY 40202 | HUMANA HEALTH PLAN, INC. | $6K | $850 | $6K | 0.22% |
| NELSON INSURANCE AGENCY3 Filed as: NELSON INSURANCE AGENCY INC | 2000 ENVOY CIRCLE LOUISVILLE, KY 40299 | HUMANA HEALTH PLAN, INC. | $5K | $1K | $6K | 0.22% |
| WLA INSURANCE LLC3 | 1246 S. THIRD ST LOUISVILLE, KY 40203 | HUMANA HEALTH PLAN, INC. | $5K | $80 | $5K | 0.16% |
| LISA MATTINGLY3 | 600 W.MAIN STREET, STE 400 LOUISVILLE, KY 40202 | HUMANA HEALTH PLAN, INC. | $4K | $750 | $5K | 0.16% |
| BENJAMIN BYRNE & ASSOCIATES3 Filed as: BENJAMIN BYRNE & ASSOCIATES LLC | 9401 WILLIAMSBURG PLAZA, STE 100 LOUISVILLE, KY 40222 | HUMANA HEALTH PLAN, INC. | $4K | $630 | $4K | 0.14% |
| ASSUREDPARTNERS3 Filed as: SHEPHERD INSURANCE | 111 CONGRESSIONAL BLVD, STE 100 CARMEL, IN 46032 | HUMANA HEALTH PLAN, INC. | $4K | — | $4K | 0.14% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 1540 CORNERSTONE BLVD, STE 230 DAYTONA BEACH, FL 32117 | HUMANA HEALTH PLAN, INC. | $1K | $2K | $3K | 0.11% |
| HYLANT GROUP INC3 Filed as: HYLAND BLOCK & HYLAND INC | 9750 ORMSBY STATION RD LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $3K | $214 | $3K | 0.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: PHIL BROWN INSURANCE AGENCY | 9300 SHELBYVILLE ROAD LOUISVILLE, KY 40222 | HUMANA HEALTH PLAN, INC. | $1K | $807 | $2K | 0.07% |
| ACCRETIVE WHOLESALE INSURANCE SERVI3 Filed as: ACCRETIVE WHOLESALE INS SERVICES | 2001 LAKE POINT WAY LOUISVILLE, KY 40223 | HUMANA HEALTH PLAN, INC. | $943 | $224 | $1K | 0.04% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NL LLC | 4500 TOWNE CENTER BLVD, STE 200 JEFFERSONVILLE, IN 47130 | HUMANA HEALTH PLAN, INC. | $746 | $204 | $950 | 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 | 252 | 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) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 567 | $2.9M |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 567 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
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.