Form 5500 · Employee benefit plan · OWENSBORO, KY
AUDUBON AREA COMMUNITY SERVICES, INC.
The filing calls this plan AUDUBON AREA COMMUNITY SERVICES, INC. EMPLOYEE BENEFITS PLAN.
AUDUBON AREA COMMUNITY SERVICES, INC. of OWENSBORO, KY is a 592-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is JEFFREY D HARNED. Coverage is written through COLONIAL LIFE & ACCIDENT INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-7364935 · plan 502 · plan year 2025, filed Mar 31, 2026
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679 other employer plans in Kentucky have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
Also declared: 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 2 insured contracts covering health and life; the largest, with COLONIAL LIFE & ACCIDENT INSURANCE COMPANY, covers 219 people.
Reported premium across the insured contracts is $232,784, with $43,682 in disclosed broker commissions — about 19% 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.
JEFFREY D HARNED is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Two carriers split the book: COLONIAL LIFE & ACCIDENT INSURANCE COMPANY and AMERICAN UNITED LIFE INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | Health | 219 | Jan 1, 2026 | $135,566 | $30,167 |
| AMERICAN UNITED LIFE INSURANCE COMPANY | Life | 581 | Jan 1, 2026 | $97,218 | $13,515 |
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
The plan administrator is from line 3a of the main form. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 724 employees, 29 recordable cases, 320 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
How this plan compares
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Renewal calendar
679 other employer plans in Kentucky are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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