Form 5500 · Employee benefit plan · DAPHNE, AL
LEGACY OPERATING COMPANY, LLC
The filing calls this plan LEGACY OPERATING COMPANY, LLC EMPLOYEE BENEFITS PLAN.
LEGACY OPERATING COMPANY, LLC of DAPHNE, AL spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is A2 HOLDINGS, LLC. Coverage is written through BLUE CROSS AND BLUE SHIELD OF ALABAMA and 3 other carriers. The plan's most recent policy period ended in July.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 84-3242066 · plan 515 · plan year 2025, filed Feb 2, 2026
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28 other employer plans in Alabama have policy years ending in July. 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.
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 273 people.
Reported premium across the insured contracts is $3,078,159, with $179,289 in disclosed broker commissions — about 5.8% of premium.
The most recent policy period ended in July, and the plan year ends July 31. Group contracts typically renew on that annual cycle.
A2 HOLDINGS, LLC is the broker of record on 1 of the 9 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including BLUE CROSS AND BLUE SHIELD OF ALABAMA, METROPOLITAN LIFE INSURANCE COMPANY, THE LINCOLN NATIONAL LIFE INSURANCE COMPANY and FIDELITY SECURITY LIFE 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 |
|---|---|---|---|---|---|
| BLUE CROSS AND BLUE SHIELD OF ALABAMA | Health | 273 | Aug 1, 2025 | $2,542,692 | $104,806 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Life | 709 | Aug 1, 2025 | $230,127 | $35,223 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 365 | Aug 1, 2025 | $140,766 | $14,077 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 0 | Aug 1, 2025 | $16,313 | $7,955 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 93 | Aug 1, 2025 | $63,107 | $6,311 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 203 | Aug 1, 2025 | $23,046 | $4,551 |
| METROPOLITAN LIFE INSURANCE COMPANY | — | 54 | Aug 1, 2025 | $12,666 | $3,338 |
| METROPOLITAN LIFE INSURANCE COMPANY | Health | 120 | Aug 1, 2025 | $8,783 | $3,028 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 258 | Aug 1, 2025 | $40,659 | $0 |
Premium and claims on this contract
BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 63632. For the contract year on this filing, the carrier reported $2,542,692 in premium earned and $2,965,150 in claims incurred. Dividing one by the other gives 117%.
- BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 63632 reported $345,552 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
How this plan compares
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Renewal calendar
28 other employer plans in Alabama are August 1 renewals (policy year ends July).
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