Form 5500 · Employee benefit plan · HIGHLAND, MI
LAFONTAINE MOTORS, INC.
The filing calls this plan LAFONTAINE AUTO GROUP HEALTH PLAN.
LAFONTAINE MOTORS, INC. of HIGHLAND, MI is a 1,002-participant retail employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is HUB INTERNATIONAL MIDWEST. Coverage is written through ALLIANCE HEALTH AND LIFE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-2307028 · plan 501 · plan year 2025, filed Sep 8, 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
4 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
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 9 insured contracts covering health, dental, vision and disability; the largest, with ALLIANCE HEALTH AND LIFE INSURANCE COMPANY, covers 972 people.
The filing declares health, vision, disability and life. Life 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 4 contracts here that do not say what they cover.
Reported premium across the insured contracts is $10,936,611, with $394,667 in disclosed broker commissions — about 3.6% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in January. The plan is on a split renewal cycle.
HUB INTERNATIONAL MIDWEST is the broker of record on all 9 contracts.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision | 1,107 | Jan 1, 2026 | $652,416 | $84,814 |
| ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | Health | 972 | Jan 1, 2026 | $5,580,061 | $83,604 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 515 | Jan 2, 2026 | $374,645 | $77,707 |
| HEALTH ALLIANCE PLAN | Health | 866 | Jan 1, 2026 | $3,866,296 | $58,028 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 2,123 | Jan 2, 2026 | $292,776 | $52,601 |
| UNUM INSURANCE COMPANY | — | 290 | Jan 2, 2026 | $56,690 | $15,309 |
| UNUM INSURANCE COMPANY | — | 500 | Jan 2, 2026 | $77,053 | $15,123 |
| UNUM INSURANCE COMPANY | — | 185 | Jan 2, 2026 | $33,881 | $6,699 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 5 | Jan 2, 2026 | $2,793 | $782 |
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: 117 employees, 4 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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