Form 5500 · Employee benefit plan · PADUCAH, KY
PADUCAH BANK & TRUST COMPANY
The filing calls this plan PADUCAH BANK & TRUST COMPANY DENTAL PLAN.
PADUCAH BANK & TRUST COMPANY of PADUCAH, KY files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is HOLLAND STIVERS EMPLOYER SOLUTIONS. Coverage is written through DELTA DENTAL OF KENTUCKY. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 61-0418959 · plan 501 · plan year 2023, filed Jul 2, 2024
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
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 2 insured contracts covering dental and vision; the largest, with DELTA DENTAL OF KENTUCKY, covers 223 people.
Reported premium across the insured contracts is $75,657, with $6,340 in disclosed broker commissions — about 8.4% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
HOLLAND STIVERS EMPLOYER SOLUTIONS is the broker of record on all 2 contracts.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| DELTA DENTAL OF KENTUCKY | Dental | 223 | Jan 1, 2024 | $62,319 | $5,726 |
| DELTA DENTAL OF KENTUCKY | Vision | 186 | Jan 1, 2024 | $13,338 | $614 |
Premium and claims on these contracts
DELTA DENTAL OF KENTUCKY, contract 0711470. For the contract year on this filing, the carrier reported $61,876 in premium earned and $50,527 in claims incurred. Dividing one by the other gives 82%.
DELTA DENTAL OF KENTUCKY, contract 71147V. For the contract year on this filing, the carrier reported $13,237 in premium earned and $11,722 in claims incurred. Dividing one by the other gives 89%.
- DELTA DENTAL OF KENTUCKY, contract 0711470 reported $39,354 in retention.
- DELTA DENTAL OF KENTUCKY, contract 71147V reported $9,610 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.
Other plans filed by this employer
How this plan compares
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