Form 5500 · Employee benefit plan · ROCHESTER HILLS, MI
RAFIH AUTO GROUP
RAFIH AUTO GROUP of ROCHESTER HILLS, MI insures health, dental, vision and life coverage for its employees, per Schedule A of its Form 5500. Its broker of record is DEAN E. AUSTIN. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 86-2353183 · plan 501 · as of Aug 2026
Plan brief
Schedule A lists 5 insured contracts covering health, dental, vision and life; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 343 people.
Reported premium across the insured contracts is $2,220,106, with $115,944 in disclosed broker commissions — about 5.2% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
DEAN E. AUSTIN is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing — BLUE CROSS BLUE SHIELD OF MICHIGAN, DELTA DENTAL OF MICHIGAN, UNUM LIFE INSURANCE COMPANY OF AMERICA and RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA among them — with BLUE CROSS BLUE SHIELD OF MICHIGAN writing the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health | 343 | December | $1,924,750 | $83,161 |
| DELTA DENTAL OF MICHIGAN | Dental | 370 | December | $162,613 | $15,564 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 189 | December | $98,233 | $13,577 |
| RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | Vision | 308 | December | $21,121 | $2,028 |
| UNUM INSURANCE COMPANY | — | 57 | December | $13,389 | $1,614 |
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