Form 5500 · Employee benefit plan · HUNTSVILLE, AL
ENGINEERING RESEARCH & CONSULTING
The filing calls this plan ENGINEERING RESEARCH & CONSULTING DBA ASTRION GROUP WELFARE BENEFITS PLAN.
ENGINEERING RESEARCH & CONSULTING of HUNTSVILLE, AL files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is THE BALDWIN GROUP, LLC. Coverage is written through BLUE CROSS AND BLUE SHIELD OF ALABAMA and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 62-1008247 · plan 503 · plan year 2025, filed Aug 26, 2026
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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
Dental: CIGNA HEALTH AND LIFE INSURANCE COMPANY covers 22 of 2,489 participants (0.9%) on Schedule A.
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 6 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS AND BLUE SHIELD OF ALABAMA, covers 4,970 people.
Reported premium across the insured contracts is $39,473,102, with $566,252 in disclosed broker commissions — about 1.4% 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.
THE BALDWIN GROUP, LLC is the broker of record on 4 of the 6 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including BLUE CROSS AND BLUE SHIELD OF ALABAMA, PRUDENTIAL INSURANCE COMPANY OF AMERICA, KAISER FOUNDATION HEALTH PLAN, INC. and VISION SERVICE PLAN. BLUE CROSS AND BLUE SHIELD OF ALABAMA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life, Disability | 2,556 | Jan 1, 2026 | $3,096,927 | $477,385 |
| VISION SERVICE PLAN | Vision | 2,914 | Jan 1, 2026 | $555,193 | $44,391 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 101 | Jan 1, 2026 | $802,973 | $27,269 |
| HARTFORD LIFE AND ACCIDENT | Health | 232 | Jan 1, 2026 | $133,934 | $10,451 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 22 | Jan 1, 2026 | $105,275 | $6,756 |
| BLUE CROSS AND BLUE SHIELD OF ALABAMA | Health | 4,970 | Jan 1, 2026 | $34,778,800 | $0 |
Premium and claims on this contract
BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 43237. For the contract year on this filing, the carrier reported $34,778,800 in premium earned and $39,189,627 in claims incurred. Dividing one by the other gives 113%.
- BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 43237 reported $3,011,844 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.
Other plans filed by this employer
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