Form 5500 · Employee benefit plan · SOUTHGATE, MI
SOUTHGATE AUTOMOTIVE, INC.
The filing calls this plan SOUTHGATE FORD EMPLOYEE BENEFIT WELFARE PLAN.
SOUTHGATE AUTOMOTIVE, INC. of SOUTHGATE, MI insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is KIMBERLY PERKINS. Coverage is written through PRIORITY HEALTH and 5 other carriers. The plan's most recent policy period ended in February.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-2452677 · plan 501 · plan year 2025, filed Dec 11, 2025
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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
Vision: the largest of the 2 insured vision contracts, with BLUE CARE NETWORK OF MICHIGAN, covers 9 of 122 participants (7.4%) on Schedule A.
Also declared: death benefits.
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 6 insured contracts covering health, dental, vision, life and disability; the largest, with PRIORITY HEALTH, covers 77 people.
Reported premium across the insured contracts is $847,319, with $36,932 in disclosed broker commissions — about 4.4% of premium.
The health contract's policy period ended in February, while at least one ancillary line's policy period ended in May. The plan is on a split renewal cycle.
KIMBERLY PERKINS is the broker of record on 1 of the 6 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including PRIORITY HEALTH, BLUE CARE NETWORK OF MICHIGAN, BLUE CROSS BLUE SHIELD OF MICHIGAN and DELTA DENTAL OF MICHIGAN. PRIORITY HEALTH writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| PRIORITY HEALTH | Health | 77 | Mar 1, 2025 | $576,014 | $23,041 |
| BLUE CARE NETWORK OF MICHIGAN | Health, Vision | 9 | Mar 1, 2025 | $130,216 | $5,086 |
| DELTA DENTAL OF MICHIGAN | Dental | 102 | Mar 1, 2025 | $38,467 | $4,125 |
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health, Vision | 7 | Mar 1, 2025 | $75,217 | $3,026 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Disability | 16 | Mar 1, 2025 | $11,215 | $1,654 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life, Disability | 124 | Jun 1, 2024 | $16,190 | $0 |
Premium and claims on this contract
DELTA DENTAL OF MICHIGAN, contract 4219. For the contract year on this filing, the carrier reported $38,467 in premium earned and $30,443 in claims incurred. Dividing one by the other gives 79%.
- DELTA DENTAL OF MICHIGAN, contract 4219 reported $8,463 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.
Other plans filed by this employer
How this plan compares
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