Form 5500 · Employee benefit plan · BIRMINGHAM, AL
ANDREWS SPORTS MEDICINE AND ORTHOPAEDIC CENTER
The filing calls this plan ANDREWS SPORTS MEDICINE AND ORTHOPAEDIC CENTER, LLC WRAP.
ANDREWS SPORTS MEDICINE AND ORTHOPAEDIC CENTER of BIRMINGHAM, AL files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is MERCER HEALTH AND BENEFITS, LLC. Coverage is written through THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-8266246 · plan 502 · plan year 2025, filed Jul 21, 2026
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
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.
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 3 insured contracts covering health, dental, vision, life and disability; the largest, with THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, covers 1,281 people.
Reported premium across the insured contracts is $2,116,905, with $226,137 in disclosed broker commissions — about 11% 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.
MERCER HEALTH AND BENEFITS, LLC is the broker of record on all 3 contracts.
3 carriers appear on the filing, including THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, HARTFORD LIFE AND ACCIDENT and PROSPERITY LIFE GROUP. THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HARTFORD LIFE AND ACCIDENT | Life, Disability | 1,588 | Jan 1, 2026 | $934,718 | $137,087 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision | 1,281 | Jan 1, 2026 | $971,325 | $67,965 |
| PROSPERITY LIFE GROUP | Health | 278 | Jan 1, 2026 | $210,862 | $21,085 |
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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