Form 5500 · Employee benefit plan · MONTGOMERY, AL
KOWA PHARMACEUTICALS AMERICA, INC.
The filing calls this plan KOWA PHARMACEUTICALS AMERICA, INC. WELFARE PLAN.
KOWA PHARMACEUTICALS AMERICA, INC. of MONTGOMERY, AL files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is LOCKTON COMPANIES, LLC. Coverage is written through BLUE CROSS AND BLUE SHIELD OF ALABAMA and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-1414357 · plan 501 · plan year 2025, filed Sep 21, 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
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 9 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS AND BLUE SHIELD OF ALABAMA, covers 409 people.
Reported premium across the insured contracts is $3,201,474, with $47,864 in disclosed broker commissions — about 1.5% 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.
LOCKTON COMPANIES, LLC is the broker of record on 7 of the 9 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including BLUE CROSS AND BLUE SHIELD OF ALABAMA, UNITED OF OMAHA LIFE INSURANCE COMPANY and HUMANA 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 |
|---|---|---|---|---|---|
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 273 | Jan 1, 2026 | $111,552 | $16,733 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 89 | Jan 1, 2026 | $59,349 | $11,870 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 281 | Jan 1, 2026 | $28,384 | $5,109 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | — | 45 | Jan 1, 2026 | $21,521 | $4,197 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 281 | Jan 1, 2026 | $23,030 | $4,145 |
| HUMANA INSURANCE COMPANY | Vision | 165 | Jan 1, 2026 | $26,677 | $2,891 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | — | 57 | Jan 1, 2026 | $14,715 | $2,207 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 14 | Jan 1, 2026 | $4,746 | $712 |
| BLUE CROSS AND BLUE SHIELD OF ALABAMA | Health, Dental, Vision | 409 | Jan 1, 2026 | $2,911,500 | $0 |
Premium and claims on this contract
BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 74773. For the contract year on this filing, the carrier reported $2,911,500 in premium earned and $2,872,609 in claims incurred. Dividing one by the other gives 99%.
- BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 74773 reported $323,293 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: 267 employees, 5 recordable cases, 14 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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