Form 5500 · Employee benefit plan · SAGINAW, AL
SAGINAW PIPE COMPANY, INC.
The filing calls this plan SAGINAW PIPE COMPANY, INC. WELFARE BENEFIT PLAN.
SAGINAW PIPE COMPANY, INC. of SAGINAW, AL insures health, dental, vision and life coverage for its employees, per Schedule A of its Form 5500. Its broker of record is ASHLEY STEPHENS. Coverage is written through BLUE CROSS AND BLUE SHIELD OF ALABAMA and 3 other carriers. The plan's most recent policy period ended in February.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 63-0853055 · plan 501 · plan year 2026, filed May 26, 2026
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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
3 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
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 5 insured contracts covering health, dental, vision and life; the largest, with BLUE CROSS AND BLUE SHIELD OF ALABAMA, covers 196 people.
The filing declares health, dental, vision, life and disability. Disability appears 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 3 contracts here that do not say what they cover.
Reported premium across the insured contracts is $1,654,612, with $56,405 in disclosed broker commissions — about 3.4% 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.
ASHLEY STEPHENS is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | — | 25 | Jan 1, 2026 | $41,672 | $43,000 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 194 | May 2, 2025 | $87,312 | $11,355 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 31 | Mar 2, 2026 | $10,251 | $2,050 |
| BLUE CROSS AND BLUE SHIELD OF ALABAMA | Health, Dental, Vision | 196 | Mar 1, 2026 | $1,504,882 | $0 |
| BLUE CROSS AND BLUE SHIELD OF ALABAMA | — | 5 | Mar 1, 2026 | $10,495 | $0 |
Premium and claims on this contract
BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 0006308. For the contract year on this filing, the carrier reported $1,504,882 in premium earned and $945,553 in claims incurred. Dividing one by the other gives 63%.
- BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 0006308 reported $169,813 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: 135 employees, 4 recordable cases, 51 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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