Form 5500 · Employee benefit plan · MONTGOMERY, AL
SOUTHERN POVERTY LAW CENTER, INC
The filing calls this plan SOUTHERN POVERTY LAW CENTER WELFARE PLAN.
Public Form 5500 records show how SOUTHERN POVERTY LAW CENTER, INC of MONTGOMERY, AL, a other services employer, structures its employee benefits. Its broker of record is HAMRON DENNIS BRADSHAW INC. Coverage is written through BLUE CROSS AND BLUE SHIELD OF ALABAMA and 4 other carriers. The plan's most recent policy period ended in July.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 63-0598743 · plan 501 · plan year 2025, filed Feb 27, 2026
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28 other employer plans in Alabama have policy years ending in July. 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: 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.
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 5 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS AND BLUE SHIELD OF ALABAMA, covers 335 people.
Reported premium across the insured contracts is $7,382,826, with $177,970 in disclosed broker commissions — about 2.4% of premium.
The most recent policy period ended in July, and the plan year ends July 31. Group contracts typically renew on that annual cycle.
HAMRON DENNIS BRADSHAW INC is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including BLUE CROSS AND BLUE SHIELD OF ALABAMA, ACE AMERICAN INSURANCE COMPANY, EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA and PRUDENTIAL INSURANCE COMPANY OF AMERICA. BLUE CROSS AND BLUE SHIELD OF ALABAMA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| ACE AMERICAN INSURANCE COMPANY | Health | 332 | Aug 1, 2025 | $749,978 | $149,361 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Disability | 344 | Aug 1, 2025 | $133,019 | $19,765 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 285 | Aug 1, 2025 | $40,728 | $5,661 |
| EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | Vision, Life | 345 | Aug 1, 2025 | $197,741 | $3,183 |
| BLUE CROSS AND BLUE SHIELD OF ALABAMA | Health, Dental | 335 | Aug 1, 2025 | $6,261,360 | $0 |
Premium and claims on this contract
BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 48774. For the contract year on this filing, the carrier reported $6,261,360 in premium earned and $5,990,254 in claims incurred. Dividing one by the other gives 96%.
- BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 48774 reported $622,453 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. 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
28 other employer plans in Alabama are August 1 renewals (policy year ends July).
Their policy years end in July, like this plan’s, so most renew August 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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