Form 5500 · Employee benefit plan · HUNTSVILLE, AL
INTUITIVE RESEARCH AND TECHNOLOGY CORPORATION
The filing calls this plan INTUITIVE RESEARCH AND TECHNOLOGY CORPORATION EMPLOYEE BENEFITS PLAN.
INTUITIVE RESEARCH AND TECHNOLOGY CORPORATION of HUNTSVILLE, AL insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is IMA, INC.. Coverage is written through BLUE CROSS AND BLUE SHIELD OF ALABAMA and 4 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 75-2821032 · plan 503 · plan year 2025, filed Apr 13, 2026
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60 other employer plans in Alabama have policy years ending in June. 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.
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 5 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS AND BLUE SHIELD OF ALABAMA, covers 491 people.
Reported premium across the insured contracts is $7,495,943, with $100,226 in disclosed broker commissions — about 1.3% of premium.
The health contract's policy period ended in June, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
IMA, INC. is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including BLUE CROSS AND BLUE SHIELD OF ALABAMA, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, PRUDENTIAL INSURANCE COMPANY OF AMERICA and LIFESECURE INSURANCE COMPANY. BLUE CROSS AND BLUE SHIELD OF ALABAMA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Vision, Life, Disability | 544 | Jul 1, 2025 | $613,232 | $87,803 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | 115 | Jan 1, 2026 | $50,603 | $6,335 |
| LIFESECURE INSURANCE COMPANY | — | 86 | Jan 1, 2026 | $42,082 | $5,045 |
| HARTFORD LIFE AND ACCIDENT | — | 12 | Jan 1, 2026 | $18,145 | $1,043 |
| BLUE CROSS AND BLUE SHIELD OF ALABAMA | Health, Dental | 491 | Jul 1, 2025 | $6,771,881 | $0 |
Premium and claims on this contract
BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 12354. For the contract year on this filing, the carrier reported $6,771,881 in premium earned and $6,002,059 in claims incurred. Dividing one by the other gives 89%.
- BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 12354 reported $641,959 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: 590 employees, 0 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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Renewal calendar
60 other employer plans in Alabama are July 1 renewals (policy year ends June).
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