Form 5500 · Employee benefit plan · LOUISVILLE, KY
VOLARE HEALTH, LLC
The filing calls this plan VOLARE HEALTH LLC HEALTH AND WELFARE BENEFIT PLAN.
VOLARE HEALTH, LLC of LOUISVILLE, KY files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is BARUCH KLAHR. Coverage is written through HAWAII MEDICAL SERVICE ASSOCIATION and 4 other carriers. The plan's most recent policy period ended in February.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 88-2124963 · plan 501 · plan year 2025, filed Dec 15, 2025
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33 other employer plans in Kentucky have policy years ending in February. 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 filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
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.
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 6 insured contracts covering health, dental, vision, life and disability; the largest, with HAWAII MEDICAL SERVICE ASSOCIATION, covers 447 people.
Reported premium across the insured contracts is $3,735,513, with $88,328 in disclosed broker commissions — about 2.4% of premium.
The most recent policy period ended in February, and the plan year ends February 28. Group contracts typically renew on that annual cycle.
BARUCH KLAHR is the broker of record on 1 of the 6 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including HAWAII MEDICAL SERVICE ASSOCIATION, OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON, METROPOLITAN LIFE INSURANCE COMPANY and EASTERN VISION SERVICE PLAN, INC. HAWAII MEDICAL SERVICE ASSOCIATION writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Life, Disability | 523 | Mar 1, 2025 | $308,914 | $52,836 |
| OREGON DENTAL SERVICE DBA DELTA DENTAL PLAN OF OREGON | Dental | 1,313 | Mar 1, 2025 | $550,344 | $32,530 |
| EASTERN VISION SERVICE PLAN, INC | Vision | 454 | Mar 1, 2025 | $71,344 | $2,962 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health, Vision | 447 | Mar 1, 2025 | $2,804,911 | $0 |
| DOCTEGRITY | Health | — | Mar 1, 2025 | — | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | — | Mar 1, 2025 | — | $0 |
Premium and claims on this contract
EASTERN VISION SERVICE PLAN, INC, contract 010930. For the contract year on this filing, the carrier reported $71,344 in premium earned and $39,138 in claims incurred. Dividing one by the other gives 55%.
- EASTERN VISION SERVICE PLAN, INC, contract 010930 reported $0 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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Renewal calendar
33 other employer plans in Kentucky are March 1 renewals (policy year ends February).
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