Form 5500 · Employee benefit plan · BIRMINGHAM, AL
NELSON BROTHERS, INC.
The filing calls this plan NELSON BROTHERS, INC. WELFARE BENEFITS PLAN.
NELSON BROTHERS, INC. of BIRMINGHAM, AL insures life, disability and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is PATRIOT GROWTH INSURANCE SVC. Coverage is written through SIRIUSPOINT AMERICA INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in April.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 63-0479482 · plan 511 · plan year 2025, filed Nov 6, 2025
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42 other employer plans in Alabama have policy years ending in April. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
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
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.
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 2 insured contracts covering life, disability and stop-loss; the largest, with SIRIUSPOINT AMERICA INSURANCE COMPANY, covers 472 people.
The filing declares life, disability, health and dental. Health and dental appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The stop-loss contract reports $1,247,721 in premium and $0 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $1,765,104, with $91,096 in disclosed broker commissions — about 5.2% of premium.
The most recent policy period ended in April, and the plan year ends April 30. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| MUTUAL OF OMAHA INSURANCE COMPANY | Life, Disability | 533 | May 1, 2025 | $517,383 | $91,096 |
| SIRIUSPOINT AMERICA INSURANCE COMPANY | Stop-loss | 472 | May 1, 2025 | $1,247,721 | $0 |
Premium and claims on this contract
SIRIUSPOINT AMERICA INSURANCE COMPANY, contract RSL106322. For the contract year on this filing, the carrier reported $1,200,564 in premium earned and $767,195 in claims incurred. Dividing one by the other gives 64%.
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. The service providers are named on Schedule C of this filing. We publish company names only.
Other plans filed by this employer
How this plan compares
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Renewal calendar
42 other employer plans in Alabama are May 1 renewals (policy year ends April).
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