Form 5500 · Employee benefit plan · SOUTHFIELD, MI
TIRE WHOLESALERS COMPANY INC
The filing calls this plan TIRE WHOLESALERS COMPANY, INC. WELFARE BENEFIT PLAN.
Public Form 5500 records show how TIRE WHOLESALERS COMPANY INC of SOUTHFIELD, MI, a wholesale trade employer, structures its employee benefits. Its broker of record is KRYSTN CLARK. Coverage is written through BLUE CARE NETWORK 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 38-1919054 · plan 502 · plan year 2025, filed Sep 22, 2026
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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
Health: the largest of the 2 insured health contracts, with BLUE CARE NETWORK OF MICHIGAN, covers 5 of 241 participants (2.1%) on Schedule A.
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.
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 5 insured contracts covering health, dental, vision and life.
Reported premium across the insured contracts is $734,817, with $28,282 in disclosed broker commissions — about 3.8% 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.
KRYSTN CLARK is the broker of record on 2 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including BLUE CARE NETWORK OF MICHIGAN, BLUE CROSS BLUE SHIELD OF MICHIGAN, STARMOUNT LIFE INSURANCE COMPANY and UNUM LIFE INSURANCE COMPANY OF AMERICA. BLUE CARE NETWORK OF MICHIGAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CARE NETWORK OF MICHIGAN | Health | 5 | Jan 1, 2026 | $425,551 | $12,640 |
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health | 10 | Jan 1, 2026 | $194,535 | $5,758 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 34 | Jan 1, 2026 | $33,585 | $5,509 |
| STARMOUNT LIFE INSURANCE COMPANY | Dental, Vision | 73 | Jan 1, 2026 | $74,867 | $4,375 |
| ULLIANCE, INC. | — | 78 | Jan 1, 2026 | $6,279 | $0 |
Premium and claims on these contracts
BLUE CARE NETWORK OF MICHIGAN, contract 157736-0006. For the contract year on this filing, the carrier reported $425,551 in premium earned and $419,347 in claims incurred. Dividing one by the other gives 99%.
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 7011456-0002. For the contract year on this filing, the carrier reported $194,535 in premium earned and $151,055 in claims incurred. Dividing one by the other gives 78%.
- BLUE CARE NETWORK OF MICHIGAN, contract 157736-0006 reported $119,237 in retention.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 7011456-0002 reported $53,634 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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