Form 5500 · Employee benefit plan · LOUISVILLE, KY
SHEPHERD INSURANCE
The filing calls this plan ASSOCIATION HEALTH AND WELFARE VEBA MASTER TRUST.
SHEPHERD INSURANCE of LOUISVILLE, KY files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is SHEPHERD INSURANCE LLC. Coverage is written through ANTHEM INSURANCE COMPANIES, INC. and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 46-7130790 · plan 501 · plan year 2025, filed Aug 25, 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
Fully insured as reported
The plan's own financial statement reports paying insurance carriers about what the insurance contracts report in premium.
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.
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 4 insured contracts covering health, dental, vision and life; the largest, with ANTHEM INSURANCE COMPANIES, INC., covers 880 people.
The filing declares health, dental, vision, life and disability. Disability appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $6,797,014, with $192,844 in disclosed broker commissions — about 2.8% of premium.
The most recent policy period ended in December, and the plan year ends November 30. Group contracts typically renew on that annual cycle.
SHEPHERD INSURANCE LLC is the broker of record on 2 of the 4 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| ANTHEM INSURANCE COMPANIES, INC. | Health | 880 | Jan 1, 2026 | $6,602,976 | $156,339 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Vision, Life | 497 | Jan 1, 2026 | $194,038 | $36,412 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | — | Jan 1, 2026 | — | $50 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | — | Jan 1, 2026 | — | $43 |
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.
How this plan compares
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Renewal calendar
679 other employer plans in Kentucky are January 1 renewals (policy year ends December).
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