Form 5500 · Employee benefit plan · BIRMINGHAM, AL
MCWANE, INC
The filing calls this plan MCWANE HEALTH AND WELFARE PLAN.
MCWANE, INC of BIRMINGHAM, 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 11 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 63-0139000 · plan 501 · plan year 2025, filed Sep 8, 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
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
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.
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 15 insured contracts covering health, dental, vision, life, disability and stop-loss.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $14,794,939, with $746,438 in disclosed broker commissions — about 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 8 of the 15 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Life, Disability | 6,604 | Jan 1, 2026 | $2,310,898 | $303,685 |
| WELLPOINT STOP LOSS | Stop-loss | 3,508 | Jan 1, 2026 | $2,605,507 | $260,551 |
| DELTA DENTAL INSURANCE COMPANY | Dental | 2,801 | Jan 1, 2026 | $921,525 | $78,168 |
| STANDARD INSURANCE COMPANY | Vision | 2,708 | Jan 1, 2026 | $299,396 | $31,711 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life, Disability | 356 | Jan 1, 2026 | $178,951 | $20,851 |
| AMERITAS LIFE INSURANCE CORP. OF NEW YORK | Dental | 686 | Jan 1, 2026 | $184,173 | $18,417 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 280 | Jan 1, 2026 | $128,002 | $12,800 |
| PRINCIPAL LIFE INSURANCE COMPANY | Dental | 311 | Jan 1, 2026 | $101,014 | $9,083 |
| DELTA DENTAL OF IOWA | Dental | 322 | Jan 1, 2026 | $230,951 | $7,586 |
| HARTFORD LIFE AND ACCIDENT | Life | 208 | Jan 1, 2026 | $76,896 | $3,586 |
| BLUE CROSS AND BLUE SHIELD OF ALABAMA | Health, Dental, Vision | 826 | Jan 1, 2026 | $4,633,562 | $0 |
| BLUE CROSS AND BLUE SHIELD OF ALABAMA | Health, Dental, Vision | 452 | Jan 1, 2026 | $2,943,733 | $0 |
| NEW YORK LIFE GROUP BENEFIT SOLUTIONS | Disability | 202 | Jan 1, 2026 | $69,588 | $0 |
| NEW YORK LIFE GROUP BENEFIT SOLUTIONS | Disability | 403 | Jan 1, 2026 | $56,346 | $0 |
| COMPSYCH CORPORATION | — | 5,634 | Jan 1, 2026 | $54,397 | $0 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 758445. For the contract year on this filing, the carrier reported $299,396 in premium earned and $149,414 in claims incurred. Dividing one by the other gives 50%.
BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 70542. For the contract year on this filing, the carrier reported $4,633,562 in premium earned and $5,216,480 in claims incurred. Dividing one by the other gives 113%.
BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 75038. For the contract year on this filing, the carrier reported $2,943,733 in premium earned and $2,529,764 in claims incurred. Dividing one by the other gives 86%.
- STANDARD INSURANCE COMPANY, contract 758445 reported $135,922 in retention.
- BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 70542 reported $509,186 in retention.
- BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 75038 reported $323,430 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: 2,017 employees, 60 recordable cases, 1,091 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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