Form 5500 · Employee benefit plan · LOUISVILLE, KY
NORTON HEALTHCARE, INC. DEPARTMENT
The filing calls this plan NORTON HEALTHCARE, INC. EMPLOYEE HEALTH BENEFIT PLAN.
NORTON HEALTHCARE, INC. DEPARTMENT of LOUISVILLE, KY files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is LOCKTON COMPANIES, LLC. Coverage is written through UNUM LIFE INSURANCE COMPANY OF AMERICA and 9 other carriers. The plan's most recent policy period ended in July.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 61-1028725 · plan 510 · plan year 2024, filed Oct 15, 2025
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
21 other employer plans in Kentucky have policy years ending in July. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
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
4 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: prepaid legal, 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 15 insured contracts covering dental, vision, life, disability and stop-loss; the largest, with UNUM LIFE INSURANCE COMPANY OF AMERICA, covers 14,759 people.
The filing declares dental, vision, life, disability and health. Health appears 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 one of the 4 contracts here that do not say what they cover.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The stop-loss contract reports $1,437,302 in premium and $0 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $47,261,071, with $4,433,641 in disclosed broker commissions — about 9.4% of premium.
The most recent policy period ended in July, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIASTAR LIFE INSURANCE COMPANY | — | 24,088 | Aug 1, 2024 | $6,861,384 | $1,471,382 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | Life | 3,129 | Jan 1, 2025 | $907,056 | $907,020 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 50,096 | Jan 1, 2025 | $10,565,923 | $757,800 |
| BOSTON MUTUAL LIFE INSURANCE COMPANY | Life | 5,168 | Jan 1, 2025 | $2,732,629 | $722,656 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 14,759 | Jan 1, 2025 | $12,536,233 | $250,725 |
| BOSTON MUTUAL LIFE INSURANCE COMPANY | Life | 1,428 | Jan 1, 2025 | $751,027 | $146,630 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 780 | Jan 1, 2025 | $353,444 | $72,136 |
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | Life | 840 | Jan 1, 2025 | $64,337 | $62,954 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 72 | Jan 1, 2025 | $168,781 | $22,933 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 130 | Jan 1, 2025 | $139,491 | $18,263 |
| MANHATTANLIFE ASSURANCE CO OF AMERICA | — | 22 | Jan 1, 2025 | $6,376 | $1,142 |
| DELTA DENTAL OF KENTUCKY | Dental | 33,290 | Jan 1, 2025 | $8,915,911 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Vision | 28,211 | Jan 1, 2025 | $1,675,860 | $0 |
| ANTHEM HEALTH PLANS OF KENTUCKY, INC. | Stop-loss | 32,257 | Jan 1, 2025 | $1,437,302 | $0 |
| METLIFE LEGAL PLANS | — | 619 | Jan 1, 2025 | $145,317 | $0 |
Premium and claims on this contract
DELTA DENTAL OF KENTUCKY, contract 707160. For the contract year on this filing, the carrier reported $8,915,911 in premium earned and $8,791,166 in claims incurred. Dividing one by the other gives 99%.
- DELTA DENTAL OF KENTUCKY, contract 707160 reported $1,435,462 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.
Reported to OSHA
Reported to OSHA for 2025: 95 employees, 1 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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