Form 5500 · Employee benefit plan · PONTIAC, MI
METALWORKING LUBRICANTS COMPANY
The filing calls this plan METALWORKING LUBRICANTS COMPANY EMPLOYEE WELFARE BENEFIT PLAN.
METALWORKING LUBRICANTS COMPANY of PONTIAC, MI is a 79-participant manufacturing employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is JOSEPH AIELLO. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 1 other carrier. The plan's most recent policy period ended in November.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-2206882 · plan 501 · plan year 2025, filed Apr 14, 2026
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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
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 2 insured contracts covering health, dental, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 71 people.
Reported premium across the insured contracts is $624,259, with $23,117 in disclosed broker commissions — about 3.7% of premium.
The most recent policy period ended in November, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
JOSEPH AIELLO is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Two carriers split the book: BLUE CROSS BLUE SHIELD OF MICHIGAN and METROPOLITAN LIFE INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health | 71 | Dec 1, 2025 | $583,729 | $23,117 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Life, Disability | 86 | Dec 1, 2025 | $40,530 | $0 |
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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