PlanOptica
Free ERISA searchPricing
Sign inStart for $4.99
  1. Welfare plans/
  2. Sponsors/
  3. CITIZENS FINANCIAL CORPORATION

Open any plan below to see its carriers, broker commissions and premiums.

Solo shows those sections on each welfare plan. Your first month is $4.99.

Start for $4.99
Sponsor portfolioWelfare / HealthEIN 61-1187135

CITIZENS FINANCIAL CORPORATION

4350 BROWNSBORO ROAD · LOUISVILLE, KY 40207
5022442420
Plans filed
7
Years active
2020–2025
Industry
NAICS 52
Latest filing
2025
Total premiums (latest)
$1.3M
No prior year
Persons covered
633
No prior year
Total participants
694
No prior year
Plans filed
7
No prior year

Plans under this sponsor

7 plans
Plan #501$2.5M
CITIZENS FINANCIAL CORPORATION GROUP HEALTH BENEFIT PLAN
Fully insured401 covered·1 carrier
Primary: ANTHEM HEALTH PLANS OF KENTUCKY, INC.
Plan #507$1.3M
CITIZENS FINANCIAL CORPORATION
Mixed633 covered·3 carriers
Primary: CIGNA HEALTH AND LIFE INSURANCE COMPANY
Plan #502$231K
CITIZENS FINANCIAL CORPORATION GROUP DENTAL BENEFIT PLAN
Fully insured294 covered·1 carrier
Primary: CITIZENS SECURITY LIFE INSURANCE COMPANY
Plan #503$88K
CITIZENS FINANCIAL CORPORATION GROUP VISION BENEFIT PLAN
Fully insured304 covered·1 carrier
Primary: CITIZENS SECURITY LIFE INSURANCE COMPANY
Plan #504$68K
CITIZENS FINANCIAL CORPORATION GROUP LIFE BENEFIT PLAN
Fully insured360 covered·1 carrier
Primary: ANTHEM LIFE INSURANCE COMPANY
Plan #505$49K
CITIZENS FINANCIAL CORPORATION LONG TERM DISABILITY BENEFIT PLAN
Fully insured360 covered·1 carrier
Primary: ANTHEM LIFE INSURANCE COMPANY
Plan #506$35K
CITIZENS FINANCIAL CORPORATION SHORT TERM DISABILITY BENEFIT PLAN
Fully insured217 covered·1 carrier
Primary: ANTHEM LIFE INSURANCE COMPANY

Coverage overview

Aggregate, latest year
Benefit typePremiumShareDistribution
Stop-loss$665K38.8%
Dental$350K20.4%
Vision$350K20.4%
Other$155K9.0%
Life$92K5.4%
Long-term disability$62K3.6%
Short-term disability$41K2.4%

Carrier overview

3 carriers · all plans
CarrierCoverageTotal premiumSharePlansContractsCovered
CIGNA HEALTH AND LIFE INSURANCE COMPANY
EIN 591031071
SLOth
$717K56.3%14475
CITIZENS SECURITY LIFE INSURANCE COMPANY
EIN 610648389
DV
$350K27.5%11488
RELIANCE STANDARD LIFE INSURANCE COMPANY
EIN 360883760
LSTDLTDOth
$206K16.1%16633

Broker overview

2 brokers · all plans
BrokerLocCarriersCommissionsFeesTotal compSharePlans
R H CLARKSON FINANCIAL SERVICES INC—CIGNA HEALTH AND LIFE INSURANCE COMPANY, RELIANCE STANDARD LIFE INSURANCE COMPANY$53K$13K$66K94.4%1
ALIUM LLCLOUISVILLE, KYCIGNA HEALTH AND LIFE INSURANCE COMPANY, RELIANCE STANDARD LIFE INSURANCE COMPANY$4K$0$4K5.6%1

History & trajectory

6 years · all plans
Total premiums
Summed across all plans for this sponsor.
Persons covered
EOY headcount summed across all plans.
Carrier mix
Premium by top carriers, summed across plans.
Broker compensation
Comp by top brokers, summed across plans.

Policy details

Latest year, by plan
PlanOptica

Plan research for advisors and brokers. Retirement and welfare filings, peer-ranked and a decade deep, sourced to the line.

Product
  • Retirement plans
  • Welfare plans
  • Providers
  • Pricing
Data
  • Downloads hub
  • Retirement plans CSV
  • Welfare plans CSV
  • Custom analytics
Resources
  • Free ERISA search
  • Free EIN lookup
  • Documentation
  • Filter catalog
  • Glossary
Company
  • About
  • Contact
  • Privacy
  • Terms
© 2026 PlanOptica