Form 5500 · Employee benefit plan · LEXINGTON, KY
INDUSTRIAL MANUFACTURING AND PROFESSIONAL COMMERCIAL TRUST
The filing calls this plan INDUSTRIAL MANUFACTURING PROFESSIONAL AND COMMERCIAL TRUST.
INDUSTRIAL MANUFACTURING AND PROFESSIONAL COMMERCIAL TRUST of LEXINGTON, KY is a 4,044-participant construction employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is KY RETAIL FEDERATION INS. Coverage is written through ANTHEM HEALTH PLANS OF KENTUCKY, INC. and 4 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 61-6096328 · plan 501 · plan year 2024, filed Oct 15, 2025
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82 other employer plans in Kentucky have policy years ending in June. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The plan's own financial statement reports paying insurance carriers about what the insurance contracts report in premium.
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
Life: the largest of the 4 insured life contracts, with ANTHEM HEALTH PLANS OF KENTUCKY, INC., covers 245 of 4,044 participants (6.1%) on Schedule A.
Disability: the largest of the 4 insured disability contracts, with STANDARD INSURANCE COMPANY, covers 85 of 4,044 participants (2.1%) on Schedule A.
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 15 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with ANTHEM HEALTH PLANS OF KENTUCKY, INC., covers 1,209 people.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium across the insured contracts is $26,950,921, with $939,289 in disclosed broker commissions — about 3.5% of premium.
The health contract's policy period ended in June, while at least one ancillary line's policy period ended in August. The plan is on a split renewal cycle.
KY RETAIL FEDERATION INS is the broker of record on 1 of the 15 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY, INC. | Health | 1,209 | Jul 1, 2024 | $11,106,128 | $391,289 |
| ANTHEM HEALTH PLANS OF KENTUCKY, INC. | Health, Dental, Vision | 912 | Jul 1, 2024 | $8,781,087 | $230,972 |
| ANTHEM HEALTH PLANS OF KENTUCKY, INC. | Health, Dental, Vision, Stop-loss | 678 | Jan 1, 2025 | $500,751 | $152,453 |
| ANTHEM HEALTH PLANS OF KENTUCKY, INC. | Health, Dental, Vision | 387 | Jan 1, 2025 | $3,471,537 | $92,166 |
| ANTHEM HEALTH PLANS OF KENTUCKY, INC. | Health, Dental, Vision, Life | 245 | May 1, 2024 | $1,410,713 | $37,202 |
| ANTHEM HEALTH PLANS OF KENTUCKY, INC. | Health, Vision | 63 | Jan 1, 2025 | $903,257 | $15,544 |
| STANDARD INSURANCE COMPANY | Disability | 85 | Sep 1, 2024 | $69,718 | $5,726 |
| STANDARD INSURANCE COMPANY | Life | 35 | Jan 1, 2025 | $43,605 | $5,238 |
| STANDARD INSURANCE COMPANY | Disability | 89 | Sep 1, 2024 | $48,266 | $4,345 |
| STANDARD INSURANCE COMPANY | — | 18 | Jan 1, 2025 | $20,425 | $3,337 |
| AMERICAN UNITED LIFE INSURANCE COMPANY | Life, Disability | 57 | Jan 1, 2025 | $7,547 | $1,017 |
| DELTA DENTAL OF KENTUCKY | Dental | 1,581 | Jan 1, 2025 | $396,720 | $0 |
| DELTA DENTAL OF KENTUCKY | Dental | 606 | Jan 1, 2025 | $149,831 | $0 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Life, Disability | 49 | Jul 1, 2024 | $41,175 | $0 |
| DELTA DENTAL OF KENTUCKY | Dental | 3 | Jan 1, 2025 | $161 | $0 |
Premium and claims on these contracts
DELTA DENTAL OF KENTUCKY, contract 000M00050. For the contract year on this filing, the carrier reported $394,956 in premium earned and $305,026 in claims incurred. Dividing one by the other gives 77%.
DELTA DENTAL OF KENTUCKY, contract 000M0028. For the contract year on this filing, the carrier reported $145,868 in premium earned and $103,624 in claims incurred. Dividing one by the other gives 71%.
DELTA DENTAL OF KENTUCKY, contract M00027. For the contract year on this filing, the carrier reported $98 in premium earned and $215 in claims incurred. Dividing one by the other gives 219%.
- DELTA DENTAL OF KENTUCKY, contract 000M00050 reported $67,538 in retention.
- DELTA DENTAL OF KENTUCKY, contract 000M0028 reported $28,298 in retention.
- DELTA DENTAL OF KENTUCKY, contract M00027 reported $36 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.
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