Form 5500 · Employee benefit plan · TUSCALOOSA, AL
BAMA CONCRETE PRODUCTS CO IN
The filing calls this plan BAMA CONCRETE PRODUCT CO INC.
BAMA CONCRETE PRODUCTS CO IN of TUSCALOOSA, AL insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is HIGGINBOTHAM INSURANCE AGENCY INC. Coverage is written through BLUE CROSS AND BLUE SHIELD OF ALABAMA and 2 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 63-0400645 · plan 501 · plan year 2025, filed Nov 4, 2025
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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
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 3 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS AND BLUE SHIELD OF ALABAMA, covers 100 people.
Reported premium across the insured contracts is $1,463,158, with $32,537 in disclosed broker commissions — about 2.2% of premium.
The health contract's policy period ended in August, while at least one ancillary line's policy period ended in April. The plan is on a split renewal cycle.
HIGGINBOTHAM INSURANCE AGENCY INC is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including BLUE CROSS AND BLUE SHIELD OF ALABAMA, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and DEARBORN LIFE INSURANCE COMPANY. BLUE CROSS AND BLUE SHIELD OF ALABAMA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life, Disability | 100 | May 1, 2025 | $256,997 | $31,653 |
| DEARBORN LIFE INSURANCE COMPANY | Life, Disability | 229 | May 1, 2025 | $6,393 | $884 |
| BLUE CROSS AND BLUE SHIELD OF ALABAMA | Health | 100 | Sep 1, 2025 | $1,199,768 | $0 |
Premium and claims on this contract
BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 0008024. For the contract year on this filing, the carrier reported $1,199,768 in premium earned and $634,968 in claims incurred. Dividing one by the other gives 53%.
- BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 0008024 reported $130,823 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.
How this plan compares
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