Form 5500 · Employee benefit plan · BIRMINGHAM, AL
BL HARBERT INTERNATIONAL, LLC
The filing calls this plan BL HARBERT INTERNATIONAL, LLC EMPLOYEE BENEFITS PLAN.
Public Form 5500 records show how BL HARBERT INTERNATIONAL, LLC of BIRMINGHAM, AL, a construction employer, structures its employee benefits. Its broker of record is VALENT GROUP LLC. Coverage is written through BLUE CROSS AND BLUE SHIELD OF ALABAMA and 6 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 63-1232416 · plan 502 · plan year 2025, filed Jan 7, 2026
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60 other employer plans in Alabama have policy years ending in June. 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
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 13 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS AND BLUE SHIELD OF ALABAMA, covers 722 people.
Reported premium across the insured contracts is $13,641,177, with $189,067 in disclosed broker commissions — about 1.4% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
VALENT GROUP LLC is the broker of record on 3 of the 13 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including BLUE CROSS AND BLUE SHIELD OF ALABAMA, AETNA LIFE INSURANCE COMPANY, AETNA INTERNATIONAL and DELAWARE AMERICAN LIFE INSURANCE OF AMERICA. BLUE CROSS AND BLUE SHIELD OF ALABAMA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY | Health | 459 | Jul 1, 2025 | $2,507,642 | $77,048 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Disability | 573 | Jul 1, 2025 | $116,466 | $40,694 |
| AETNA INTERNATIONAL | Health | 402 | Jul 1, 2025 | $1,341,956 | $39,960 |
| DELAWARE AMERICAN LIFE INSURANCE OF AMERICA | Life, Disability | 707 | Jul 1, 2025 | $431,348 | $18,652 |
| VISION SERVICE PLAN | Vision | 661 | Jul 1, 2025 | $99,141 | $10,730 |
| ZURICH AMERICAN INSURANCE COMPANY | — | 73 | Jul 1, 2025 | $13,220 | $1,983 |
| BLUE CROSS AND BLUE SHIELD OF ALABAMA | Health, Dental | 722 | Jul 1, 2025 | $8,914,094 | $0 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life | 256 | Jul 1, 2025 | $103,118 | $0 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life | 737 | Jul 1, 2025 | $63,995 | $0 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | 414 | Jul 1, 2025 | $18,974 | $0 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life | 122 | Jul 1, 2025 | $15,808 | $0 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | 682 | Jul 1, 2025 | $14,350 | $0 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | 88 | Jul 1, 2025 | $1,065 | $0 |
Premium and claims on this contract
BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 0027612. For the contract year on this filing, the carrier reported $8,914,094 in premium earned and $7,659,325 in claims incurred. Dividing one by the other gives 86%.
- BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 0027612 reported $933,510 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: 523 employees, 3 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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Renewal calendar
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