Form 5500 · Employee benefit plan · GREENVILLE, SC
MICHELIN NORTH AMERICA, INC.
The filing calls this plan MICHELIN HEALTH AND WELFARE PLAN.
MICHELIN NORTH AMERICA, INC. of GREENVILLE, SC spreads its employee benefits across 18 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is BUCK GLOBAL, INC.. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 17 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 11-1724631 · plan 550 · plan year 2024, filed Sep 30, 2025
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549 other employer plans in South Carolina 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
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
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
Health: the largest of the 6 insured health contracts, with BLUECROSS BLUESHIELD OF TEXAS, covers 664 of 18,387 participants (3.6%) on Schedule A.
Dental: the largest of the 6 insured dental contracts, with BLUECROSS BLUESHIELD OF TEXAS, covers 664 of 18,387 participants (3.6%) on Schedule A.
Also declared: supplemental unemployment, prepaid legal, severance, 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 51 insured contracts covering health, dental, vision, life and disability; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 20,695 people.
Reported premium across the insured contracts is $35,972,100, with $838,987 in disclosed broker commissions — about 2.3% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in July. The plan is on a split renewal cycle.
BUCK GLOBAL, INC. is the broker of record on 1 of the 51 contracts; the rest name a different broker or none.
18 carriers appear on the filing, including METROPOLITAN LIFE INSURANCE COMPANY, MINNESOTA LIFE INSURANCE COMPANY, BLUECROSS BLUESHIELD OF TEXAS and HIGHMARK INC.. METROPOLITAN LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
Premium and claims on these contracts
BLUE CARE NETWORK OF MICHIGAN, contract 133462. For the contract year on this filing, the carrier reported $765,043 in premium earned and $427,992 in claims incurred. Dividing one by the other gives 56%.
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 133462. For the contract year on this filing, the carrier reported $134,987 in premium earned and $192,169 in claims incurred. Dividing one by the other gives 142%.
MINNESOTA LIFE INSURANCE COMPANY, contract 33271-G. For the contract year on this filing, the carrier reported $3,246,624 in premium earned and $3,018,218 in claims incurred. Dividing one by the other gives 93%.
- BLUE CARE NETWORK OF MICHIGAN, contract 133462 reported $231,530 in retention.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 133462 reported $44,382 in retention.
- MINNESOTA LIFE INSURANCE COMPANY, contract 33271-G reported $228,406 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: 6,490 employees, 54 recordable cases, 1,572 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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Renewal calendar
549 other employer plans in South Carolina are January 1 renewals (policy year ends December).
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