Form 5500 · Employee benefit plan · LOUISVILLE, KY
CITIZENS FINANCIAL CORPORATION
CITIZENS FINANCIAL CORPORATION of LOUISVILLE, KY insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is RH CLARKSON FINANCIAL SERVICES INC. Coverage is written through ANTHEM HEALTH PLANS OF KENTUCKY, INC. and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 61-1187135 · plan 507 · as of Aug 2026
Plan brief
Schedule A lists 9 insured contracts covering health, dental, vision, life and disability; the largest, with ANTHEM HEALTH PLANS OF KENTUCKY, INC., covers 584 people.
Reported premium across the insured contracts is $5,260,318, with $135,022 in disclosed broker commissions — about 2.6% of premium.
The health contract's policy period ended in December, while at least one ancillary line renews in March — the plan is on a split renewal cycle.
RH CLARKSON FINANCIAL SERVICES INC is the broker of record on 8 of the 9 contracts; the rest name a different broker or none.
4 carriers appear on the filing — ANTHEM HEALTH PLANS OF KENTUCKY, INC., CITIZENS SECURITY LIFE INSURANCE COMPANY, RELIANCE STANDARD LIFE INSURANCE COMPANY and ANTHEM LIFE INSURANCE COMPANY — with ANTHEM HEALTH PLANS OF KENTUCKY, INC. writing the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY, INC. | Health | 584 | December | $4,652,447 | $99,940 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | — | 295 | December | $78,583 | $11,787 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 562 | December | $78,490 | $7,849 |
| ANTHEM LIFE INSURANCE COMPANY | Life, Disability | 0 | March | — | $5,110 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | — | 308 | December | $50,928 | $5,093 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life | 559 | December | $36,213 | $3,621 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | — | 331 | December | $5,464 | $820 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | — | 559 | December | $802 | $802 |
| CITIZENS SECURITY LIFE INSURANCE COMPANY | Dental, Vision | 437 | December | $357,391 | $0 |
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