Form 5500 · Employee benefit plan · DECATUR, AL
COOK'S PEST CONTROL, INC.
The filing calls this plan COOK'S PEST CONTROL, INC. HEALTH AND WELFARE BENEFIT PLAN.
COOK'S PEST CONTROL, INC. of DECATUR, AL is a 1,543-participant administrative and support services employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is J. SMITH LANIER & CO. Coverage is written through LLOYDS and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 63-0476716 · plan 501 · plan year 2024, filed Oct 10, 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
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
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 8 insured contracts covering vision, life, disability and stop-loss; the largest, with LLOYDS, covers 1,311 people.
The filing declares vision, life, disability, health and dental. Health and dental appear 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 the contract here that does not say what it covers.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The 2 stop-loss contracts report $574,816 in premium and $68,978 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $1,443,828, with $170,126 in disclosed broker commissions — about 12% 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.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life | 1,565 | Jan 1, 2025 | $285,107 | $42,766 |
| LLOYDS | Stop-loss | 1,311 | Jan 1, 2025 | $356,063 | $42,728 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 1,478 | Jan 1, 2025 | $300,230 | $30,023 |
| HCC LIFE INSURANCE COMPANY | Stop-loss | 1,286 | Jun 1, 2024 | $218,753 | $26,250 |
| VISION SERVICE PLAN | Vision | 1,191 | Jan 1, 2025 | $131,763 | $13,168 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 620 | Jan 1, 2025 | $111,813 | $11,181 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Disability | 87 | Jan 1, 2025 | $35,015 | $3,502 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | — | 1,565 | Jan 1, 2025 | $5,084 | $508 |
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: 1,697 employees, 109 recordable cases, 412 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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