Form 5500 · Employee benefit plan · WATERFORD, MI
ROYAL AIR FREIGHT, INC.
ROYAL AIR FREIGHT, INC. of WATERFORD, MI files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is WILSHIRE BENEFITS GROUP. 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 38-2191197 · plan 501 · as of Aug 2026
Plan brief
Schedule A lists 6 insured contracts covering health, vision, life and disability; the largest, with ALLIANCE HEALTH AND LIFE INSURANCE COMPANY, covers 201 people.
Reported premium across the insured contracts is $1,655,091, with $96,050 in disclosed broker commissions — about 5.8% of premium.
The health contract's policy period ended in December, while at least one ancillary line renews in January — the plan is on a split renewal cycle.
WILSHIRE BENEFITS GROUP is the broker of record on 5 of the 6 contracts; the rest name a different broker or none.
5 carriers appear on the filing — ALLIANCE HEALTH AND LIFE INSURANCE COMPANY, UNUM LIFE INSURANCE COMPANY OF AMERICA, STARMOUNT LIFE INSURANCE COMPANY and COLONIAL LIFE & ACCIDENT INSURANCE COMPANY among them — with ALLIANCE HEALTH AND LIFE INSURANCE COMPANY writing the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| ALLIANCE HEALTH AND LIFE INSURANCE COMPANY | Health, Life | 201 | December | $1,329,979 | $63,288 |
| STARMOUNT LIFE INSURANCE COMPANY | Life | 95 | January | $104,441 | $10,444 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 75 | January | $64,624 | $9,694 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 114 | January | $127,391 | $7,466 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | Life | 16 | December | $16,790 | $3,971 |
| FSL | Vision | 174 | December | $11,866 | $1,187 |
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