Form 5500 · Employee benefit plan · DANVILLE, KY
EPHRAIM MCDOWELL HEALTH
The filing calls this plan EPHRAIM MCDOWELL HEALTH WRAP PLAN DOCUMENT.
EPHRAIM MCDOWELL HEALTH of DANVILLE, KY insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is GALLAGHER BENEFIT SERVICES INC.. Coverage is written through THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 61-0492356 · plan 525 · plan year 2025, filed Jul 30, 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.
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 6 insured contracts covering health, dental, vision, life and disability; the largest, with THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, covers 1,458 people.
Reported premium across the insured contracts is $2,309,233, with $235,056 in disclosed broker commissions — about 10% 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.
GALLAGHER BENEFIT SERVICES INC. is the broker of record on 1 of the 6 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, STANDARD INSURANCE COMPANY and METLIFE LEGAL PLANS. THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision | 1,458 | Jan 1, 2026 | $773,832 | $63,382 |
| STANDARD INSURANCE COMPANY | Life | 1,622 | Jan 1, 2026 | $541,549 | $58,991 |
| STANDARD INSURANCE COMPANY | Health | 536 | Jan 1, 2026 | $302,584 | $45,070 |
| STANDARD INSURANCE COMPANY | Disability | 467 | Jan 1, 2026 | $412,058 | $39,874 |
| STANDARD INSURANCE COMPANY | Disability | 1,624 | Jan 1, 2026 | $265,692 | $27,739 |
| METLIFE LEGAL PLANS | — | 96 | Jan 1, 2026 | $13,518 | $0 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 171403. For the contract year on this filing, the carrier reported $541,549 in premium earned and $230,860 in claims incurred. Dividing one by the other gives 43%.
STANDARD INSURANCE COMPANY, contract 171403. For the contract year on this filing, the carrier reported $412,058 in premium earned and $190,270 in claims incurred. Dividing one by the other gives 46%.
STANDARD INSURANCE COMPANY, contract 171403. For the contract year on this filing, the carrier reported $265,692 in premium earned and $235,187 in claims incurred. Dividing one by the other gives 89%.
- STANDARD INSURANCE COMPANY, contract 171403 reported $347,338 in retention.
- STANDARD INSURANCE COMPANY, contract 171403 reported $255,502 in retention.
- STANDARD INSURANCE COMPANY, contract 171403 reported $131,221 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.
Other plans filed by this employer
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