Form 5500 · Employee benefit plan · LOUISVILLE, KY
CHURCHILL DOWNS
The filing calls this plan CHURCHILL DOWNS INCORPORATED WELFARE PLAN.
CHURCHILL DOWNS of LOUISVILLE, KY files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is MARSH & MCLENNAN AGENCY, LLC. Coverage is written through RELIASTAR LIFE INSURANCE COMPANY and 7 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 61-0156015 · plan 501 · plan year 2025, filed Jul 29, 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
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
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.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
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 10 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with RELIASTAR LIFE INSURANCE COMPANY, covers 7,250 people.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $7,981,141, with $1,086,731 in disclosed broker commissions — about 14% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in January. The plan is on a split renewal cycle.
MARSH & MCLENNAN AGENCY, LLC is the broker of record on 2 of the 10 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIASTAR LIFE INSURANCE COMPANY | Life, Disability | 7,250 | Jan 1, 2026 | $3,673,981 | $812,625 |
| DELTA DENTAL OF KENTUCKY | Dental | 5,677 | Jan 1, 2026 | $1,745,033 | $122,152 |
| TRUSTMARK INSURANCE COMPANY | Life | 399 | Jan 1, 2026 | $152,702 | $50,966 |
| VISION SERVICE PLAN | Vision | 3,369 | Jan 1, 2026 | $527,622 | $45,852 |
| MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | Disability | 162 | Feb 1, 2025 | $202,133 | $38,861 |
| HEALTH ADVOCATE SOLUTIONS, INC. | Health | 7,801 | Jan 1, 2026 | $283,295 | $16,204 |
| TRUSTMARK INSURANCE COMPANY | — | 2 | Jan 1, 2026 | $1,058 | $71 |
| ANTHEM HEALTH PLANS OF KENTUCKY, INC. | Stop-loss | 5,358 | Jan 1, 2026 | $1,387,680 | $0 |
| SHELTERPOINT LIFE INSURANCE COMPANY | Disability | 30 | Jan 1, 2026 | $7,524 | $0 |
| ANTHEM HEALTH PLANS OF KENTUCKY, INC. | Stop-loss | 0 | Jan 1, 2026 | $113 | $0 |
Premium and claims on this contract
DELTA DENTAL OF KENTUCKY, contract 000686130. For the contract year on this filing, the carrier reported $1,711,583 in premium earned and $1,290,106 in claims incurred. Dividing one by the other gives 75%.
- DELTA DENTAL OF KENTUCKY, contract 000686130 reported $397,717 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.
Other plans filed by this employer
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Renewal calendar
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