Form 5500 · Employee benefit plan · LOUISVILLE, KY
MD KY ALUMINUM LLC DBA CARDINAL ALUMINUM CO
The filing calls this plan CARDINAL ALUMINUM CO HEALTH & WELFARE BENEFIT PLAN.
Public Form 5500 records show how MD KY ALUMINUM LLC DBA CARDINAL ALUMINUM CO of LOUISVILLE, KY, a manufacturing employer, structures its employee benefits. Its broker of record is GALLAGHER BENEFIT SERVICES, INC.. Coverage is written through ANTHEM HEALTH PLANS OF KENTUCKY, INC. and 4 other carriers. The plan's most recent policy period ended in February.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 86-3141929 · plan 502 · plan year 2024, filed Sep 24, 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.
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 5 insured contracts covering health, dental, vision, life and disability; the largest, with ANTHEM HEALTH PLANS OF KENTUCKY, INC., covers 72 people.
Reported premium across the insured contracts is $506,341, with $24,759 in disclosed broker commissions — about 4.9% of premium.
The health contract's policy period ended in February, while at least one ancillary line's policy period ended in November. The plan is on a split renewal cycle.
GALLAGHER BENEFIT SERVICES, INC. is the broker of record on all 5 contracts.
5 carriers appear on the filing, including ANTHEM HEALTH PLANS OF KENTUCKY, INC., THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, DELTA DENTAL OF KENTUCKY and PRINCIPAL LIFE 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, Vision | 72 | Mar 1, 2024 | $427,658 | $16,368 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Vision, Life, Disability | 85 | Mar 1, 2024 | $33,104 | $3,590 |
| DELTA DENTAL OF KENTUCKY | Dental | 122 | Dec 1, 2024 | $27,084 | $3,134 |
| PRINCIPAL LIFE INSURANCE COMPANY | Disability | 32 | Jan 1, 2025 | $14,667 | $1,360 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 51 | Jan 1, 2025 | $3,828 | $307 |
Premium and claims on this contract
DELTA DENTAL OF KENTUCKY, contract 0703930. For the contract year on this filing, the carrier reported $24,955 in premium earned and $19,372 in claims incurred. Dividing one by the other gives 78%.
- DELTA DENTAL OF KENTUCKY, contract 0703930 reported $9,323 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. We publish company names only.
How this plan compares
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