Form 5500 · Employee benefit plan · AUBURN HILLS, MI
GIFFIN, INC
The filing calls this plan GIFFIN, INC HEALTH & WELFARE BENEFIT PLAN.
Public Form 5500 records show how GIFFIN, INC of AUBURN HILLS, MI, a manufacturing employer, structures its employee benefits. Its broker of record is RSC INSURANCE BROKERAGE, INC.. Coverage is written through UNUM LIFE INSURANCE COMPANY OF AMERICA and 2 other carriers. The plan's most recent policy period ended in May.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-2368101 · plan 501 · plan year 2025, filed Oct 6, 2025
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How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
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 3 insured contracts covering health, dental, vision, life and disability; the largest, with UNUM LIFE INSURANCE COMPANY OF AMERICA, covers 107 people.
Reported premium across the insured contracts is $284,375, with $22,753 in disclosed broker commissions — about 8% of premium.
The most recent policy period ended in May, and the plan year ends May 31. Group contracts typically renew on that annual cycle.
RSC INSURANCE BROKERAGE, INC. is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including UNUM LIFE INSURANCE COMPANY OF AMERICA, BLUE CROSS BLUE SHIELD OF MICHIGAN and FIDELITY SECURITY LIFE INSURANCE COMPANY. UNUM LIFE INSURANCE COMPANY OF AMERICA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 107 | Jun 1, 2025 | $169,638 | $14,718 |
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health, Dental | 229 | Jun 1, 2025 | $95,285 | $6,101 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Vision | 233 | Jun 1, 2025 | $19,452 | $1,934 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 136259. For the contract year on this filing, the carrier reported $95,285 in premium earned and $93,159 in claims incurred. Dividing one by the other gives 98%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 136259 reported $20,295 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: 205 employees, 7 recordable cases, 16 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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