Form 5500 · Employee benefit plan · TUSCALOOSA, AL
TTL, INC
The filing calls this plan TTL, INC WELFARE BENEFIT PLAN.
TTL, INC of TUSCALOOSA, AL insures health, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is LAKESHORE BENEFIT ALLIANCE LLC. Coverage is written through BLUE CROSS AND BLUE SHIELD OF ALABAMA and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 63-0585231 · plan 502 · plan year 2025, filed Apr 15, 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: 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 4 insured contracts covering health, vision, life and disability; the largest, with BLUE CROSS AND BLUE SHIELD OF ALABAMA, covers 704 people.
The filing declares health, vision, life and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
Reported premium across the insured contracts is $3,959,982, with $203,872 in disclosed broker commissions — about 5.1% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in May. The plan is on a split renewal cycle.
LAKESHORE BENEFIT ALLIANCE LLC is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | Disability | 378 | Jan 1, 2026 | $613,405 | $153,380 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 390 | Jun 1, 2025 | $302,076 | $46,461 |
| EYEMED VISION CARE | Vision | 659 | Jan 1, 2026 | $40,555 | $4,031 |
| BLUE CROSS AND BLUE SHIELD OF ALABAMA | Health | 704 | Jan 1, 2026 | $3,003,946 | $0 |
Premium and claims on this contract
BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 15719. For the contract year on this filing, the carrier reported $3,003,946 in premium earned and $3,551,285 in claims incurred. Dividing one by the other gives 118%.
- BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 15719 reported $337,043 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
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