Form 5500 · Employee benefit plan · LOUISVILLE, KY
KENTUCKY ASSOCIATION OF ELECTRIC COOPERATIVES
Public Form 5500 records show how KENTUCKY ASSOCIATION OF ELECTRIC COOPERATIVES of LOUISVILLE, KY, a manufacturing employer, structures its employee benefits. Its broker of record is J. SMITH LANIER & CO. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 61-0420165 · plan 504 · plan year 2025, filed Dec 23, 2025
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
The filing carries code 4S: this plan is filing again after previously being exempt.
Benefits declared on this filing
Also declared: death benefits, 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, dental, vision, life and disability; the largest, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 283 people.
Reported premium across the insured contracts is $1,626,694, with $72,831 in disclosed broker commissions — about 4.5% of premium.
The most recent policy period ended in May, and the plan year ends May 31. Group contracts typically renew on that annual cycle.
J. SMITH LANIER & CO is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including UNITEDHEALTHCARE INSURANCE COMPANY, ANTHEM LIFE INSURANCE COMPANY and ZURICH AMERICAN INSURANCE COMPANY. UNITEDHEALTHCARE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITEDHEALTHCARE INSURANCE COMPANY | Health, Dental, Vision | 283 | Jun 1, 2025 | $1,472,121 | $60,669 |
| ANTHEM LIFE INSURANCE COMPANY | Disability | 107 | Jun 1, 2025 | $67,315 | $7,388 |
| ANTHEM LIFE INSURANCE COMPANY | Life | 107 | Jun 1, 2025 | $81,893 | $4,237 |
| ZURICH AMERICAN INSURANCE COMPANY | — | 53 | Jun 1, 2025 | $5,365 | $537 |
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.
How this plan compares
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