Form 5500 · Employee benefit plan · LOUISVILLE, KY
KELLEY CONSTRUCTION, INC
The filing calls this plan KELLEY CONSTRUCTION HEALTH AND WELFARE BENEFIT PLAN.
KELLEY CONSTRUCTION, INC of LOUISVILLE, KY spreads its employee benefits across 3 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is FOUNDATION RISK PARTNERS. Coverage is written through SKYWARD INSURANCE and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 61-0928594 · plan 502 · plan year 2025, filed Jul 13, 2026
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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
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
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.
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 4 insured contracts covering health, life, disability and stop-loss.
The filing declares health, life, disability, dental and vision. Dental and vision appear with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.
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 $645,875, with $40,303 in disclosed broker commissions — about 6.2% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in September. The plan is on a split renewal cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY | Life, Disability | 224 | Jan 1, 2026 | $186,647 | $27,997 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 209 | Jan 1, 2026 | $178,826 | $12,306 |
| SKYWARD INSURANCE | Stop-loss | — | Oct 1, 2025 | $277,627 | $0 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | 78 | Jan 1, 2026 | $2,775 | — |
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. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 154 employees, 0 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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