Form 5500 · Employee benefit plan · MOBILE, AL
FRANKLIN PRIMARY HEALTH CENTER INC WELFARE BENEFIT PLAN-L&D
FRANKLIN PRIMARY HEALTH CENTER INC WELFARE BENEFIT PLAN-L&D of MOBILE, AL is a 521-participant health care and social assistance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is HUB INTERNATIONAL MIDWEST. Coverage is written through UNITED OF OMAHA LIFE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 63-0695975 · plan 502 · plan year 2025, filed Sep 26, 2025
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33 other employer plans in Alabama have policy years ending in May. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
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 vision, life and disability; the largest, with UNITED OF OMAHA LIFE INSURANCE COMPANY, covers 276 people.
Reported premium across the insured contracts is $274,740, with $41,578 in disclosed broker commissions — about 15% of premium.
The most recent policy period ended in May, and the plan year ends May 31. Group contracts typically renew on that annual cycle.
HUB INTERNATIONAL MIDWEST is the broker of record on all 2 contracts.
Two carriers split the book: UNITED OF OMAHA LIFE INSURANCE COMPANY and STANDARD INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life, Disability | 276 | Jun 1, 2025 | $246,680 | $38,990 |
| STANDARD INSURANCE COMPANY | Vision | 1,547 | Jun 1, 2025 | $28,060 | $2,588 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 763266. For the contract year on this filing, the carrier reported $28,060 in premium earned and $7,714 in claims incurred. Dividing one by the other gives 27%.
- STANDARD INSURANCE COMPANY, contract 763266 reported $17,896 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: 339 employees, 3 recordable cases, 180 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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Renewal calendar
33 other employer plans in Alabama are June 1 renewals (policy year ends May).
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