Form 5500 · Employee benefit plan · CALVERT, AL
OUTOKUMPU STAINLESS USA LLC
The filing calls this plan OUTOKUMPU STAINLESS USA LLC GROUP HEALTH CARE PLAN.
OUTOKUMPU STAINLESS USA LLC of CALVERT, AL is a 945-participant manufacturing employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is GALLAGHER BENEFIT SERVICES, INC.. Coverage is written through PRUDENTIAL INSURANCE COMPANY OF AMERICA and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 26-0379850 · plan 501 · plan year 2025, filed Jul 23, 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
Self-funded as reported
The filing names a third-party administrator on Schedule A and reports no medical premium.
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
2 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: prepaid legal, death benefits, 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 3 insured contracts covering life and disability; the largest, with PRUDENTIAL INSURANCE COMPANY OF AMERICA, covers 956 people.
The filing declares life, disability, health, dental and vision. Health, dental and vision appear with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 2 contracts here that do not say what they cover.
Reported premium across the insured contracts is $1,786,214, with $257,156 in disclosed broker commissions — about 14% 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.
GALLAGHER BENEFIT SERVICES, INC. is the broker of record on 2 of the 3 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CONTINENTAL AMERICAN INSURANCE COMPANY | — | 459 | Jan 1, 2026 | $236,961 | $150,637 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life, Disability | 956 | Jan 1, 2026 | $1,527,869 | $104,809 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 106 | Jan 1, 2026 | $21,384 | $1,710 |
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
589 other employer plans in Alabama are January 1 renewals (policy year ends December).
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