Form 5500 · Employee benefit plan · MONTGOMERY, AL
MOBIS-ALABAMA, LLC
The filing calls this plan MOBIS-ALABAMA, LLC WELFARE BENEFIT PLAN.
MOBIS-ALABAMA, LLC of MONTGOMERY, AL is a 2,051-participant manufacturing employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is MARSH & MCLENNAN AGENCY LLC. Coverage is written through BLUE CROSS AND BLUE SHIELD OF ALABAMA and 7 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 03-0490785 · 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.
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 11 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS AND BLUE SHIELD OF ALABAMA, covers 1,743 people.
Reported premium across the insured contracts is $27,944,056, with $1,153,560 in disclosed broker commissions — about 4.1% 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.
MARSH & MCLENNAN AGENCY LLC is the broker of record on 2 of the 11 contracts; the rest name a different broker or none.
8 carriers appear on the filing, including BLUE CROSS AND BLUE SHIELD OF ALABAMA, BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC., HCC LIFE INSURANCE COMPANY and AMERICAN UNITED 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 BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | Health, Dental, Vision | 972 | Jan 1, 2026 | $3,647,082 | $289,780 |
| HCC LIFE INSURANCE COMPANY | Health | 808 | Jan 1, 2026 | $1,378,017 | $255,029 |
| CONTINENTAL AMERICAN INSURANCE COMPANY | — | 3 | Jan 1, 2026 | $304,169 | $178,869 |
| AMERICAN UNITED LIFE INSURANCE COMPANY | Life, Disability | 872 | Jan 1, 2026 | $1,157,629 | $161,430 |
| STANDARD INSURANCE COMPANY | Disability | 944 | Jan 1, 2026 | $376,765 | $61,260 |
| STANDARD INSURANCE COMPANY | Life | 946 | Jan 1, 2026 | $370,821 | $60,156 |
| STANDARD INSURANCE COMPANY | Disability | 791 | Jan 1, 2026 | $302,366 | $49,111 |
| STANDARD INSURANCE COMPANY | Health | 431 | Jan 1, 2026 | $355,997 | $47,481 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life, Disability | 381 | Jan 1, 2026 | $218,569 | $32,785 |
| VISION SERVICE PLAN | Vision | 777 | Jan 1, 2026 | $176,626 | $17,659 |
| BLUE CROSS AND BLUE SHIELD OF ALABAMA | Health, Dental | 1,743 | Jan 1, 2026 | $19,656,015 | $0 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 761547. For the contract year on this filing, the carrier reported $376,062 in premium earned and $-35,559 in claims incurred. Dividing one by the other gives -9%.
STANDARD INSURANCE COMPANY, contract 761547. For the contract year on this filing, the carrier reported $370,821 in premium earned and $494,691 in claims incurred. Dividing one by the other gives 133%.
STANDARD INSURANCE COMPANY, contract 761547. For the contract year on this filing, the carrier reported $300,862 in premium earned and $155,445 in claims incurred. Dividing one by the other gives 52%.
BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 47954. For the contract year on this filing, the carrier reported $19,656,015 in premium earned and $17,384,445 in claims incurred. Dividing one by the other gives 88%.
- STANDARD INSURANCE COMPANY, contract 761547 reported $411,620 in retention.
- STANDARD INSURANCE COMPANY, contract 761547 reported $166,698 in retention.
- STANDARD INSURANCE COMPANY, contract 761547 reported $152,420 in retention.
- BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 47954 reported $1,957,632 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
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