Form 5500 · Employee benefit plan · FRANKFORT, KY
ART'S ELECTRIC, INC DBA A E ELECTRICAL SOLUTIONS
The filing calls this plan ART'S ELECTRIC, INC. WELFARE BENEFITS PLAN.
ART'S ELECTRIC, INC DBA A E ELECTRICAL SOLUTIONS of FRANKFORT, KY spreads its employee benefits across 5 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is BENEFIT INSURANCE MARKETING, INC.. Coverage is written through CRUM & FORESTER and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 61-0716938 · plan 503 · plan year 2025, filed Jul 17, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 6 insured contracts covering dental, vision, life, disability and stop-loss; the largest, with CRUM & FORESTER, covers 145 people.
The filing declares dental, vision, life, disability and health. Health appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The 2 stop-loss contracts report $405,138 in premium and $0 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $680,920, with $45,657 in disclosed broker commissions — about 6.7% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Life, Disability | 313 | Jan 1, 2026 | $131,804 | $19,528 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | 111 | Jan 1, 2026 | $60,153 | $17,766 |
| DELTA DENTAL OF KENTUCKY | Dental | 264 | Jan 1, 2026 | $66,940 | $6,694 |
| METROPOLITAN LIFE INSURANCE COMPANY | Vision | 335 | Jan 1, 2026 | $16,885 | $1,669 |
| CRUM & FORESTER | Stop-loss | 145 | Jan 1, 2026 | $405,138 | $0 |
| OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | Stop-loss | 0 | Jan 1, 2026 | — | $0 |
Premium and claims on this contract
DELTA DENTAL OF KENTUCKY, contract 712660. For the contract year on this filing, the carrier reported $65,916 in premium earned and $51,723 in claims incurred. Dividing one by the other gives 78%.
- DELTA DENTAL OF KENTUCKY, contract 712660 reported $21,063 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
Named on Schedule C of this filing. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 201 employees, 7 recordable cases, 65 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
Subscribers see how this compares with similar plans in Kentucky. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
More employer plans in Kentucky — largest plans, brokers, carriers and renewal months.