Form 5500 · Employee benefit plan · DAPHNE, AL
BBB INDUSTRIES LLC
The filing calls this plan BBB INDUSTRIES HEALTH PLAN.
BBB INDUSTRIES LLC of DAPHNE, AL files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is ABLE BENEFIT SOLUTIONS INC. Coverage is written through BLUE CROSS AND BLUE SHIELD OF ALABAMA and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-1837357 · plan 501 · plan year 2024, filed Jul 29, 2025
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
589 other employer plans in Alabama have policy years ending in December. 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
3 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
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 8 insured contracts covering health, vision, life and disability; the largest, with BLUE CROSS AND BLUE SHIELD OF ALABAMA, covers 1,176 people.
The filing declares health, vision, life, disability and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 3 contracts here that do not say what they cover.
Reported premium across the insured contracts is $7,061,355, with $63,040 in disclosed broker commissions — about 0.9% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in March. The plan is on a split renewal cycle.
ABLE BENEFIT SOLUTIONS INC is the broker of record on 4 of the 8 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| USABLE LIFE | Disability | 810 | Jan 1, 2025 | $208,267 | $33,531 |
| USABLE LIFE | Life | 551 | Jan 1, 2025 | $73,886 | $12,410 |
| USABLE LIFE | Disability | 303 | Jan 1, 2025 | $71,194 | $11,775 |
| NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | — | 845 | Apr 1, 2024 | $16,855 | $3,371 |
| USABLE LIFE | — | 437 | Jan 1, 2025 | $11,940 | $1,953 |
| BLUE CROSS AND BLUE SHIELD OF ALABAMA | Health | 1,176 | Jan 1, 2025 | $6,596,003 | $0 |
| VISION SERVICE PLAN | Vision | 555 | Jan 1, 2025 | $61,065 | $0 |
| NEW DIRECTIONS BEHAVIORAL HEALTH | — | 900 | Jan 1, 2025 | $22,145 | $0 |
Premium and claims on these contracts
BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 0026042. For the contract year on this filing, the carrier reported $6,596,003 in premium earned and $5,067,979 in claims incurred. Dividing one by the other gives 77%.
VISION SERVICE PLAN, contract 30073184. For the contract year on this filing, the carrier reported $61,065 in premium earned and $42,237 in claims incurred. Dividing one by the other gives 69%.
- BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 0026042 reported $707,091 in retention.
- VISION SERVICE PLAN, contract 30073184 reported $21,983 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.
Reported to OSHA
Reported to OSHA for 2025: 40 employees, 2 recordable cases, 4 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
Subscribers see how this compares with similar plans in Alabama. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
Renewal calendar
589 other employer plans in Alabama are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 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.
Claude & ChatGPT
Look up records from Claude or ChatGPT
Add Form5500Lookup to Claude or ChatGPT and ask about any employer, broker or carrier in plain English. Lookups are free. Renewal lists, full books of business and exports are included with a subscription.
Building a list or a tool from these records? Match a list you already have from $29 per 1,000 records, or license the whole dataset as a weekly file for $499 a month. See both
More employer plans in Alabama — largest plans, brokers, carriers and renewal months.