Form 5500 · Employee benefit plan · PELHAM, AL
AUTO INVESTMENT INC.
The filing calls this plan AUTO INVESTMENT INC. EMPLOYEE BENEFITS PLAN.
Public Form 5500 records show how AUTO INVESTMENT INC. of PELHAM, AL, a retail employer, structures its employee benefits. Its broker of record is VALENT GROUP. Coverage is written through LLOYDS and 2 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 13-3446196 · plan 501 · plan year 2025, filed Nov 6, 2025
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51 other employer plans in Alabama have policy years ending in August. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
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
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.
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 7 insured contracts covering vision, life, disability and stop-loss; the largest, with LLOYDS, covers 288 people.
The filing declares vision, life, disability, health and dental. Health and dental appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
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 $501,494 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 $894,738, with $39,007 in disclosed broker commissions — about 4.4% of premium.
The most recent policy period ended in August, and the plan year ends August 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 115 | Sep 1, 2025 | $72,304 | $10,846 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 412 | Sep 1, 2025 | $70,921 | $10,638 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 77 | Sep 1, 2025 | $51,069 | $7,660 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 43 | Sep 1, 2025 | $41,203 | $6,181 |
| VISION SERVICE PLAN | Vision | 260 | Sep 1, 2025 | $36,861 | $3,682 |
| LLOYDS | Stop-loss | 288 | Sep 1, 2025 | $501,494 | $0 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 412 | Sep 1, 2025 | $120,886 | $0 |
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
51 other employer plans in Alabama are September 1 renewals (policy year ends August).
Their policy years end in August, like this plan’s, so most renew September 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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