Form 5500 · Employee benefit plan · HOPKINSVILLE, KY
T.RAD NORTH AMERICA, INC.
T.RAD NORTH AMERICA, INC. of HOPKINSVILLE, KY insures health, dental, vision, life, disability and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is HIGGINS INSURANCE INC.. Coverage is written through GRANULAR INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 61-1133164 · plan 501 · as of Aug 2026
Plan brief
Schedule A lists 4 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with GRANULAR INSURANCE COMPANY, covers 612 people.
The medical plan carries stop-loss coverage, which usually signals a self-funded health plan with insured protection against large claims.
Reported premium across the insured contracts is $1,895,073, with $125,918 in disclosed broker commissions — about 6.6% 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.
HIGGINS INSURANCE INC. 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 |
|---|---|---|---|---|---|
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life, Disability | 625 | December | $736,393 | $82,286 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | Life | 428 | December | $401,967 | $43,632 |
| ANTHEM HEALTH PLANS OF KY, INC. | Health, Dental, Vision, Stop-loss | 1,159 | December | $9,340 | $0 |
| GRANULAR INSURANCE COMPANY | Stop-loss | 612 | December | $747,373 | $0 |
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