Form 5500 · Employee benefit plan · UNION GROVE, AL
BRINDLEE MOUNTAIN FIRE APPARATUS, LLC
The filing calls this plan BRINDLEE MOUNTAIN FIRE APPARATUS, LLC WELFARE BENEFITS PLAN.
Public Form 5500 records show how BRINDLEE MOUNTAIN FIRE APPARATUS, LLC of UNION GROVE, AL, a wholesale trade employer, structures its employee benefits. Its broker of record is IMA, INC.. Coverage is written through BLUE CROSS AND BLUE SHIELD OF ALABAMA and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 63-1281979 · plan 501 · plan year 2025, filed Jul 30, 2026
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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
Also declared: death benefits.
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.
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 2 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS AND BLUE SHIELD OF ALABAMA, covers 322 people.
Reported premium across the insured contracts is $1,826,123, with $72,651 in disclosed broker commissions — about 4% 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.
IMA, INC. is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Two carriers split the book: BLUE CROSS AND BLUE SHIELD OF ALABAMA and THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision, Life, Disability | 207 | Jan 1, 2026 | $357,271 | $72,651 |
| BLUE CROSS AND BLUE SHIELD OF ALABAMA | Health | 322 | Jan 1, 2026 | $1,468,852 | $0 |
Premium and claims on this contract
BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 11960. For the contract year on this filing, the carrier reported $1,468,852 in premium earned and $1,432,585 in claims incurred. Dividing one by the other gives 98%.
- BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 11960 reported $158,047 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: 97 employees, 8 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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