Form 5500 · Employee benefit plan · COVINGTON, KY
PRO MACH, INC.
The filing calls this plan PRO MACH, INC. EMPLOYEE BENEFITS PLAN.
PRO MACH, INC. of COVINGTON, KY is a 2,388-participant manufacturing employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is TERENCE HAVENS. Coverage is written through GRANULAR INSURANCE COMPANY and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 58-2402604 · plan 501 · plan year 2025, filed Jun 5, 2026
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679 other employer plans in Kentucky have policy years ending in December. 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
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
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 6 insured contracts covering dental, vision, life, disability and stop-loss; the largest, with GRANULAR INSURANCE COMPANY, covers 2,800 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 the contract here that does not say what it covers.
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 $2,825,870 in premium and $51,253 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 $7,349,002, with $299,091 in disclosed broker commissions — about 4.1% 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.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| DELTA DENTAL OF KENTUCKY | Dental | 5,929 | Jan 1, 2026 | $2,228,910 | $111,446 |
| SECURIAN LIFE INSURANCE COMPANY | Life | 3,548 | Jan 1, 2026 | $1,345,846 | $77,166 |
| GRANULAR INSURANCE COMPANY | Stop-loss | 2,800 | Jan 1, 2026 | $2,825,870 | $51,253 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 3,575 | Jan 1, 2026 | $671,970 | $30,473 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 5,305 | Jan 1, 2026 | $269,852 | $27,770 |
| ZURICH AMERICAN INSURANCE COMPANY | — | — | Jan 1, 2026 | $6,554 | $983 |
Premium and claims on this contract
DELTA DENTAL OF KENTUCKY, contract 705440. For the contract year on this filing, the carrier reported $2,179,040 in premium earned and $1,743,039 in claims incurred. Dividing one by the other gives 80%.
- DELTA DENTAL OF KENTUCKY, contract 705440 reported $462,271 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.
Reported to OSHA
Reported to OSHA for 2025: 48 employees, 0 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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