Form 5500 · Employee benefit plan · SOUTHFIELD, MI
PISTON GROUP, L.L.C.
The filing calls this plan PISTON GROUP, L.L.C. HEALTH AND WELFARE BENEFIT PLAN.
PISTON GROUP, L.L.C. of SOUTHFIELD, MI files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is GALLAGHER BENEFIT SERVICES, INC.. Coverage is written through CONTINENTAL AMERICAN 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 82-1992307 · plan 501 · plan year 2025, filed Jul 27, 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
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
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.
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, dental, vision, life and disability; the largest, with CONTINENTAL AMERICAN INSURANCE COMPANY, covers 1,810 people.
Reported premium across the insured contracts is $2,796,804, with $293,271 in disclosed broker commissions — about 10% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in October. The plan is on a split renewal cycle.
GALLAGHER BENEFIT SERVICES, INC. is the broker of record on 4 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including CONTINENTAL AMERICAN INSURANCE COMPANY, DELTA DENTAL OF MICHIGAN, HERITAGE VISION PLANS INC and ULLIANCE, INC.. CONTINENTAL AMERICAN INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CONTINENTAL AMERICAN INSURANCE COMPANY | Health, Life, Disability | 1,810 | Jan 1, 2026 | $1,776,652 | $266,245 |
| DELTA DENTAL OF MICHIGAN | Dental | 2,223 | Jan 1, 2026 | $792,951 | $16,978 |
| HERITAGE VISION PLANS INC | Vision | 2,054 | Jan 1, 2026 | $147,912 | $7,212 |
| ZURICH AMERICAN INSURANCE COMPANY | — | 1,810 | Oct 27, 2025 | $9,453 | $2,836 |
| ULLIANCE, INC. | — | 1,459 | Jan 1, 2026 | $69,836 | $0 |
Premium and claims on this contract
DELTA DENTAL OF MICHIGAN, contract 377. For the contract year on this filing, the carrier reported $792,951 in premium earned and $690,690 in claims incurred. Dividing one by the other gives 87%.
- DELTA DENTAL OF MICHIGAN, contract 377 reported $71,231 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.
How this plan compares
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Renewal calendar
1,931 other employer plans in Michigan are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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