Form 5500 · Employee benefit plan · TROY, MI
HP PELZER AUTOMOTIVE SYSTEMS, INC.
The filing calls this plan HP PELZER AUTOMOTIVE SYSTEMS, INC. EMPLOYEE BENEFIT PLAN.
HP PELZER AUTOMOTIVE SYSTEMS, INC. of TROY, MI files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is GALAGHER BENEFIT SERVICES, INC.. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in March.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-3214772 · plan 501 · plan year 2025, filed Sep 25, 2025
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82 other employer plans in Michigan have policy years ending in March. 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 reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
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
Also declared: 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.
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, dental, vision, life, disability and stop-loss; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 1,092 people.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $999,801, with $92,644 in disclosed broker commissions — about 9.3% of premium.
The most recent policy period ended in March, and the plan year ends March 31. Group contracts typically renew on that annual cycle.
GALAGHER BENEFIT SERVICES, INC. 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 |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Life, Disability | 1,092 | Apr 1, 2025 | $689,812 | $47,044 |
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health, Stop-loss | 869 | Apr 1, 2025 | — | $30,177 |
| DELTA DENTAL OF MICHIGAN | Health, Dental | 824 | Apr 1, 2025 | $256,496 | $10,074 |
| NATIONAL VISION ADMINISTRATORS, LLC | Vision | 791 | Apr 1, 2025 | $53,493 | $5,349 |
Premium and claims on this contract
DELTA DENTAL OF MICHIGAN, contract 9126. For the contract year on this filing, the carrier reported $256,496 in premium earned and $205,034 in claims incurred. Dividing one by the other gives 80%.
- DELTA DENTAL OF MICHIGAN, contract 9126 reported $34,267 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.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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