Form 5500 · Employee benefit plan · LEXINGTON, KY
CONSTRUCTION INDUSTRY HEALTH AND WELFARE TRUST
The filing calls this plan CONSTRUCTION INDUSTRY HEALTH AND WELFARE PLAN.
CONSTRUCTION INDUSTRY HEALTH AND WELFARE TRUST of LEXINGTON, KY is a 1,984-participant construction employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is COTTINGHAM & BUTLER INS SVCS INC. Coverage is written through BLUE CROSS BLUE SHIELD OF NEBRASKA and 8 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 61-6058688 · plan 501 · plan year 2025, filed Feb 13, 2026
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33 other employer plans in Kentucky have policy years ending in March. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
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.
The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.
Benefits declared on this filing
Vision: VISION SERVICE PLAN covers 35 of 1,984 participants (1.8%) on Schedule A.
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 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 $12,131,105, with $6,093 in disclosed broker commissions — about 0.1% of premium.
The health contract's policy period ended in March, while at least one ancillary line's policy period ended in April. The plan is on a split renewal cycle.
COTTINGHAM & BUTLER INS SVCS INC is the broker of record on 1 of the 10 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 315 | May 1, 2025 | $36,987 | $3,849 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 315 | May 1, 2025 | $22,441 | $2,244 |
| BLUE CROSS BLUE SHIELD OF NEBRASKA | Life, Disability | 425 | May 1, 2025 | $5,429,041 | $0 |
| ANTHEM BLUE CROSS BLUE SHIELD | Health | 356 | Apr 1, 2025 | $4,898,806 | $0 |
| QBE INSURANCE | Stop-loss | 336 | May 1, 2025 | $1,103,524 | $0 |
| TOKIO MARINE | Stop-loss | 170 | Apr 1, 2025 | $355,174 | $0 |
| DELTA DENTAL OF KENTUCKY | Dental | 1,170 | May 1, 2025 | $248,534 | $0 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Stop-loss | 1,050 | May 1, 2025 | $19,534 | $0 |
| VISION SERVICE PLAN | Vision | 35 | May 1, 2025 | $10,074 | $0 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life, Disability | 90 | May 1, 2025 | $6,990 | $0 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF NEBRASKA, contract 300208. For the contract year on this filing, the carrier reported $5,429,041 in premium earned and $6,645,547 in claims incurred. Dividing one by the other gives 122%.
DELTA DENTAL OF KENTUCKY, contract 000470790. For the contract year on this filing, the carrier reported $248,534 in premium earned and $163,552 in claims incurred. Dividing one by the other gives 66%.
- BLUE CROSS BLUE SHIELD OF NEBRASKA, contract 300208 reported $914,326 in retention.
- DELTA DENTAL OF KENTUCKY, contract 000470790 reported $43,990 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
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
How this plan compares
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Renewal calendar
33 other employer plans in Kentucky are April 1 renewals (policy year ends March).
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