Form 5500 · Employee benefit plan · PADUCAH, KY
THE PADUCAH BANK & TRUST COMPANY, INC.
The filing calls this plan THE PADUCAH BANK & TRUST COMPANY, INC. WRAP PLAN.
THE PADUCAH BANK & TRUST COMPANY, INC. of PADUCAH, KY insures dental, life, disability and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is RSC INSURANCE BROKERAGE, INC.. Coverage is written through NOVA HEALTHCARE ADMINISTRATORS, INC. and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 61-0418959 · plan 504 · plan year 2025, filed Jun 5, 2026
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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: 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 4 insured contracts covering dental, life, disability and stop-loss; the largest, with NOVA HEALTHCARE ADMINISTRATORS, INC., covers 112 people.
The filing declares dental, 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 $355,981 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 $531,156, with $15,601 in disclosed broker commissions — about 2.9% 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 |
|---|---|---|---|---|---|
| AMERICAN UNITED LIFE INSURANCE COMPANY | Life, Disability | 134 | Jan 1, 2026 | $88,210 | $9,115 |
| DELTA DENTAL OF KENTUCKY | Dental | 212 | Jan 1, 2026 | $63,006 | $4,725 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | 29 | Jan 1, 2026 | $23,959 | $1,761 |
| NOVA HEALTHCARE ADMINISTRATORS, INC. | Stop-loss | 112 | Jan 1, 2026 | $355,981 | $0 |
Premium and claims on this contract
DELTA DENTAL OF KENTUCKY, contract 711470. For the contract year on this filing, the carrier reported $60,849 in premium earned and $55,271 in claims incurred. Dividing one by the other gives 91%.
- DELTA DENTAL OF KENTUCKY, contract 711470 reported $17,990 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.
Other plans filed by this employer
How this plan compares
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