Form 5500 · Employee benefit plan · BIRMINGHAM, AL
LIGON INDUSTRIES LLC
The filing calls this plan LIGON INDUSTRIES BENEFIT PLAN.
LIGON INDUSTRIES LLC of BIRMINGHAM, AL is a 692-participant manufacturing employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is KEPPLEHEALTHCARE CONSULTING INC.. Coverage is written through BLUE CROSS AND BLUE SHIELD OF ALABAMA and 8 other carriers. The plan's most recent policy period ended in February.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-4535541 · plan 501 · plan year 2025, filed Jul 6, 2026
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30 other employer plans in Alabama have policy years ending in February. 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 16 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS AND BLUE SHIELD OF ALABAMA, covers 1,298 people.
Reported premium across the insured contracts is $10,902,342, with $182,534 in disclosed broker commissions — about 1.7% of premium.
The health contract's policy period ended in February, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
KEPPLEHEALTHCARE CONSULTING INC. is the broker of record on 1 of the 16 contracts; the rest name a different broker or none.
9 carriers appear on the filing, including BLUE CROSS AND BLUE SHIELD OF ALABAMA, BLUECROSS BLUESHIELD OF ILLINOIS, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and NEW YORK LIFE GROUP BENEFIT SOLUTIONS. BLUE CROSS AND BLUE SHIELD OF ALABAMA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUECROSS BLUESHIELD OF ILLINOIS | Health, Dental | 308 | Mar 1, 2026 | $1,913,863 | $99,634 |
| NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | 469 | Jan 1, 2026 | $176,073 | $40,603 |
| NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | 400 | Jan 1, 2026 | $88,361 | $20,531 |
| DEARBORN LIFE INSURANCE COMPANY | Vision, Life, Disability | 271 | Mar 1, 2026 | $107,479 | $15,171 |
| STANDARD INSURANCE COMPANY | Health | 99 | Mar 1, 2026 | — | $6,595 |
| BLUE CROSS AND BLUE SHIELD OF ALABAMA | Health | 1,298 | Jan 1, 2026 | $7,497,535 | $0 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision | 519 | Jan 1, 2026 | $358,847 | $0 |
| NEW YORK LIFE GROUP BENEFIT SOLUTIONS | Life | 1,855 | Jan 1, 2026 | $303,672 | $0 |
| NEW YORK LIFE GROUP BENEFIT SOLUTIONS | Disability | 622 | Jan 1, 2026 | $154,626 | $0 |
| NEW YORK LIFE GROUP BENEFIT SOLUTIONS | Disability | 381 | Jan 1, 2026 | $105,269 | $0 |
| NEW YORK LIFE GROUP BENEFIT SOLUTIONS | Disability | 70 | Jan 1, 2026 | $68,005 | $0 |
| WELLMARK INC. | Dental | 80 | Jan 1, 2026 | $62,466 | $0 |
| NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | 1,855 | Jan 1, 2026 | $23,258 | $0 |
| VISION SERVICE PLAN | Vision | 78 | Jan 1, 2026 | $16,423 | $0 |
| DETLA DENTAL OF MISSOURI | Dental | 273 | Jan 1, 2026 | $10,206 | $0 |
| VISION SERVICE PLAN | Vision | 106 | Jan 1, 2026 | $16,259 | — |
Premium and claims on this contract
BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 44656. For the contract year on this filing, the carrier reported $7,497,535 in premium earned and $11,194,484 in claims incurred. Dividing one by the other gives 149%.
- BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 44656 reported $775,994 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.
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Renewal calendar
30 other employer plans in Alabama are March 1 renewals (policy year ends February).
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