Form 5500 · Employee benefit plan · LEXINGTON, KY
KENTUCKY CONSTRUCTION INDUSTRY TRUST
KENTUCKY CONSTRUCTION INDUSTRY TRUST of LEXINGTON, KY files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is BENEFIT INSURANCE MARKETING, INC.. Coverage is written through ANTHEM HEALTH PLANS OF KENTUCKY, INC. and 5 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 61-6094900 · plan 510 · plan year 2025, filed Jan 14, 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
Fully insured as reported
The plan's own financial statement reports paying insurance carriers about what the insurance contracts report in premium.
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 3 insured life contracts, with SUN LIFE ASSURANCE COMPANY OF CANADA, covers 460 of 6,920 participants (6.6%) on Schedule A.
Disability: the largest of the 2 insured disability contracts, with SUN LIFE ASSURANCE COMPANY OF CANADA, covers 460 of 6,920 participants (6.6%) 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 9 insured contracts covering health, dental, vision, life and disability; the largest, with ANTHEM HEALTH PLANS OF KENTUCKY, INC., covers 8,152 people.
Reported premium across the insured contracts is $61,178,010, with $1,207,861 in disclosed broker commissions — about 2% of premium.
The health contract's policy period ended in March, while at least one ancillary line's policy period ended in October. The plan is on a split renewal cycle.
BENEFIT INSURANCE MARKETING, INC. is the broker of record on 1 of the 9 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including ANTHEM HEALTH PLANS OF KENTUCKY, INC., DELTA DENTAL OF KENTUCKY, SUN LIFE ASSURANCE COMPANY OF CANADA and STANDARD INSURANCE COMPANY. ANTHEM HEALTH PLANS OF KENTUCKY, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| ANTHEM HEALTH PLANS OF KENTUCKY, INC. | Health, Dental, Vision | 8,152 | Apr 1, 2025 | $60,287,273 | $1,181,295 |
| SUN LIFE ASSURANCE COMPANY OF CANADA | Life, Disability | 460 | Apr 1, 2025 | $148,170 | $21,989 |
| STANDARD INSURANCE COMPANY | Life | 74 | Nov 1, 2024 | $16,056 | $2,123 |
| STANDARD INSURANCE COMPANY - TEMPORARY DISABILITY | Disability | 15 | Nov 1, 2024 | $7,269 | $1,351 |
| STANDARD INSURANCE COMPANY | Dental | 49 | Nov 1, 2024 | $13,400 | $733 |
| STANDARD INSURANCE COMPANY | Vision | 45 | Nov 1, 2024 | $4,669 | $239 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 19 | Apr 1, 2025 | $654 | $131 |
| DELTA DENTAL OF KENTUCKY | Dental | 2,754 | Apr 1, 2025 | $700,519 | $0 |
| STANDARD INSURANCE COMPANY | Life | 775 | — | — | $0 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 166408. For the contract year on this filing, the carrier reported $16,056 in premium earned and $1,344 in claims incurred. Dividing one by the other gives 8%.
STANDARD INSURANCE COMPANY - TEMPORARY DISABILITY, contract 166408. For the contract year on this filing, the carrier reported $7,269 in premium earned and $3,997 in claims incurred. Dividing one by the other gives 55%.
STANDARD INSURANCE COMPANY, contract 166408. For the contract year on this filing, the carrier reported $13,400 in premium earned and $6,409 in claims incurred. Dividing one by the other gives 48%.
STANDARD INSURANCE COMPANY, contract 166408. For the contract year on this filing, the carrier reported $4,669 in premium earned and $1,132 in claims incurred. Dividing one by the other gives 24%.
DELTA DENTAL OF KENTUCKY, contract M00059. For the contract year on this filing, the carrier reported $688,340 in premium earned and $535,133 in claims incurred. Dividing one by the other gives 78%.
- STANDARD INSURANCE COMPANY, contract 166408 reported $14,711 in retention.
- STANDARD INSURANCE COMPANY - TEMPORARY DISABILITY, contract 166408 reported $4,488 in retention.
- STANDARD INSURANCE COMPANY, contract 166408 reported $6,990 in retention.
- STANDARD INSURANCE COMPANY, contract 166408 reported $3,538 in retention.
- DELTA DENTAL OF KENTUCKY, contract M00059 reported $114,952 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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