Form 5500 · Employee benefit plan · BIRMINGHAM, AL
BRADFORD HEALTH SERVICES
The filing calls this plan BRADFORD HEALTH SERVICES HEALTH PLAN.
BRADFORD HEALTH SERVICES of BIRMINGHAM, AL is a 573-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is FISHER BROWN BOTTRELL INSURANCE, IN. Coverage is written through BLUE CROSS AND BLUE SHIELD OF ALABAMA and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 63-1198286 · plan 501 · plan year 2024, filed Oct 7, 2025
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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
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
All 4 insured contracts are health coverage, split across BLUE CROSS AND BLUE SHIELD OF ALABAMA, BLUE CROSS BLUE SHIELD OF FLORIDA and HEALTH OPTIONS and others.
Reported premium across the insured contracts is $7,527,313, with $15,216 in disclosed broker commissions — about 0.2% 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.
FISHER BROWN BOTTRELL INSURANCE, IN is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including BLUE CROSS AND BLUE SHIELD OF ALABAMA, BLUE CROSS BLUE SHIELD OF FLORIDA, HEALTH OPTIONS and GULF GUARANTY LIFE. BLUE CROSS AND BLUE SHIELD OF ALABAMA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| GULF GUARANTY LIFE | Health | 108 | Jan 1, 2025 | $151,157 | $15,216 |
| BLUE CROSS AND BLUE SHIELD OF ALABAMA | Health | 573 | Jan 1, 2025 | $5,088,043 | $0 |
| BLUE CROSS BLUE SHIELD OF FLORIDA | Health | — | Jan 1, 2025 | $1,263,808 | $0 |
| HEALTH OPTIONS | Health | 81 | Jan 1, 2025 | $1,024,305 | $0 |
Premium and claims on these contracts
BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 89681. For the contract year on this filing, the carrier reported $5,088,043 in premium earned and $3,913,816 in claims incurred. Dividing one by the other gives 77%.
BLUE CROSS BLUE SHIELD OF FLORIDA, contract 73. For the contract year on this filing, the carrier reported $1,263,808 in premium earned and $1,127,252 in claims incurred. Dividing one by the other gives 89%.
HEALTH OPTIONS, contract 63452. For the contract year on this filing, the carrier reported $1,024,305 in premium earned and $895,253 in claims incurred. Dividing one by the other gives 87%.
- BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 89681 reported $519,999 in retention.
- BLUE CROSS BLUE SHIELD OF FLORIDA, contract 73 reported $136,556 in retention.
- HEALTH OPTIONS, contract 63452 reported $129,052 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.
Reported to OSHA
Reported to OSHA for 2025: 374 employees, 14 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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