Form 5500 · Employee benefit plan · TROY, MI
KOSTAL OF AMERICA, INC.
The filing calls this plan KOSTAL OF AMERICA, INC. BENEFIT PLAN #506.
KOSTAL OF AMERICA, INC. of TROY, MI is a 488-participant manufacturing employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is CHRISTOPHER M BOUSCHET. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 36-3137862 · plan 506 · plan year 2025, filed Jul 20, 2026
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1,931 other employer plans in Michigan 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
2 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
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.
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, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 1,091 people.
The filing declares health, vision, life, disability and dental. Dental 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 2 contracts here that do not say what they cover.
Reported premium across the insured contracts is $9,999,057, with $196,508 in disclosed broker commissions — about 2% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in June. The plan is on a split renewal cycle.
CHRISTOPHER M BOUSCHET 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 |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health, Vision | 1,091 | Jan 1, 2026 | $9,650,201 | $144,179 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Life | 434 | Jan 1, 2026 | $225,704 | $33,856 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 434 | Jan 1, 2026 | $114,345 | $17,152 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 434 | Jan 1, 2026 | $8,807 | $1,321 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 0 | Jul 1, 2025 | — | $0 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 249348. For the contract year on this filing, the carrier reported $9,650,201 in premium earned and $7,867,059 in claims incurred. Dividing one by the other gives 82%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 249348 reported $1,898,827 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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