Form 5500 · Employee benefit plan · PONTIAC, MI
WILLIAMS INTERNATIONAL
The filing calls this plan WILLIAMS INTERNATIONAL CO., LLC WELFARE BENEFIT PLAN.
Public Form 5500 records show how WILLIAMS INTERNATIONAL of PONTIAC, MI, a manufacturing employer, structures its employee benefits. Its broker of record is GALLAGHER BENEFIT SERVICES (BF). Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 8 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-3232737 · plan 501 · plan year 2024, filed Oct 13, 2025
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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
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
Also declared: severance, 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 13 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 2,258 people.
Reported premium across the insured contracts is $23,223,754, with $418,838 in disclosed broker commissions — about 1.8% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in January. The plan is on a split renewal cycle.
GALLAGHER BENEFIT SERVICES (BF) is the broker of record on 1 of the 13 contracts; the rest name a different broker or none.
9 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MICHIGAN, SELECTHEALTH, DELTA DENTAL OF MICHIGAN and UNUM LIFE INSURANCE COMPANY OF AMERICA. BLUE CROSS BLUE SHIELD OF MICHIGAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health | 2,258 | Jan 1, 2025 | $10,642,487 | $157,933 |
| SELECTHEALTH | Health | 1,911 | Jan 1, 2025 | $8,967,937 | $97,986 |
| DELTA DENTAL OF MICHIGAN | Dental | 4,184 | Jan 1, 2025 | $1,443,512 | $58,036 |
| UNUM INSURANCE COMPANY | — | 1,154 | Jan 1, 2025 | $254,240 | $43,250 |
| UNUM INSURANCE COMPANY | — | 801 | Jan 1, 2025 | $253,140 | $37,971 |
| UNUM INSURANCE COMPANY | — | 385 | Jan 1, 2025 | $121,624 | $18,242 |
| NATIONAL VISION ADMINISTRATORS, LLC | Vision | 3,511 | Jan 1, 2025 | $167,938 | $5,038 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | — | 2,183 | Feb 1, 2025 | $2,549 | $382 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 2,178 | Jan 1, 2025 | $706,518 | $0 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 2,178 | Jan 1, 2025 | $468,893 | $0 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | — | 2,178 | Jan 1, 2025 | $95,161 | $0 |
| ULLIANCE, INC. | — | 1,326 | Jan 1, 2025 | $66,047 | $0 |
| BLOMQUIST HALE CONSULTING | — | 887 | Jan 1, 2025 | $33,708 | $0 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 228337. For the contract year on this filing, the carrier reported $10,642,487 in premium earned and $11,106,505 in claims incurred. Dividing one by the other gives 104%.
DELTA DENTAL OF MICHIGAN, contract 11315. For the contract year on this filing, the carrier reported $1,443,010 in premium earned and $1,355,390 in claims incurred. Dividing one by the other gives 94%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 228337 reported $2,766,764 in retention.
- DELTA DENTAL OF MICHIGAN, contract 11315 reported $144,733 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. The service providers are named on Schedule C of this filing. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 2,394 employees, 37 recordable cases, 466 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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