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MICHELIN NORTH AMERICA, INC.

Formerly MICHELIN NORTH AMERICA

EIN 11-1724631 · SC · Manufacturing — Light

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Compensation disclosed27 brokers of record, 2021–2024As reported on Form 5500 (Schedules A and C), U.S. Department of Labor.
Employer-paid broker pay2024 · analysis: $862,8562023: $613,4192022: $665,2672021: $1,027,530

2023: $3,522,384 shown as filed, excluded as a likely filing error

Benchmarked against: Manufacturing — Light · 10,001–50,000 employees · same industry, regional · n=17 employers (your plan plus 16 peers)

Your exact in-state peer group was below the 10-plan minimum, so the comparison broadens to same industry, regional within Manufacturing — Light.

17,737

(latest)

Self-funded

Funding

$862,856

Broker pay, employer-paid lines (2024)

$4.05

6th highest of 17 comparable plans (your plan plus 16 peers)

Lines disclosed: Dental · Vision · Life · Short-term disability · Long-term disability

Broker pay as a share of insured premium: 3.7% (peer median 5.3%, 11th highest of 17 comparable plans (your plan plus 16 peers)).

Without the 4 low-disclosure peers, this plan is 4th highest of 13 comparable plans (your plan plus 12 peers).

Per-participant and share-of-premium comparisons differ because your plan insures more lines than most peers. The line-by-line rates below are the most direct comparison.

Employer-paid $862,856 benchmarked for 2024 · Voluntary $603,965 shown separately, compared by rate only

Broker commission rate by benefit line

What the broker earns on each insured line, as a share of that line's own premium — not a share of total broker pay, and not what the coverage cost. Peers for these tiles: same region, similar covered lives. Full table below. How the national rates are built.

Long-term disability

2.9%

61 peer contracts — p25 1.6% · median 2.7% · p75 5.9%. This contract: 2.9%.

Peer median 2.7%

Within peer range

Life

1.8%

215 peer contracts — p25 1.8% · median 3.3% · p75 8.1%. This contract: 1.8%.

Peer median 3.3%

Below peer range

Voluntary / worksite

19.7%

249 peer contracts — p25 12.8% · median 20.0% · p75 26.4%. This contract: 19.7%.

Peer median 20.0%

Within peer range

Medical

5.0%

3,251 peer contracts — p25 3.2% · median 4.7% · p75 6.0%. This contract: 5.0%.

Peer median 4.7%

Within peer range

Dental

5.1%

795 peer contracts — p25 4.0% · median 7.0% · p75 10.0%. This contract: 5.1%.

Peer median 7.0%

Within peer range

Short-term disability

13.6%

1,476 peer contracts — p25 11.0% · median 15.3% · p75 20.0%. This contract: 13.6%.

Peer median 15.3%

Within peer range

Vision

8.4%

1,050 peer contracts — p25 5.0% · median 9.9% · p75 10.6%. This contract: 8.4%.

Peer median 9.9%

Within peer range

Voluntary / worksite premium is typically paid by employees through payroll deduction, so commission on those lines comes out of employee money rather than company money.

This page shows what was filed. The report shows what it means.

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Where the $1,466,821 across all lines goes

Each broker and each benefit line, in dollars

How much broker pay rides inside the premium

Base commission against bonuses and other carrier payments, all funded through premium

Whether this number is drifting

Compensation across every filed year, against the peer median

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Line-item breakdown, multi-year trend, and methodology-backed framing — ready for fiduciary oversight and recordkeeping.

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Benefits covered (latest filing)

HealthDentalVisionLife insuranceShort-term disabilityLong-term disabilityUnemploymentApprenticeship / trainingScholarshipSeveranceOther

From the Form 5500 welfare benefit codes — the authoritative list of what the plan covers, including medical (health).

Broker history

Benefit lines covered by year — broker identity limited on public pages

Year:

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Commission rates by benefit line

Each insured contract on the filing, with the broker's commission as a share of that contract's own premium. Premium is what was paid to the carrier for the coverage; only the commission column is broker pay.

Benefit lineContractRatevs. peersPosition
Long-term disability · contract 0243531Metropolitan Life Insurance CompanyPlan 550 · 20,695 lives · Long-term disability2.9%61 peer contracts — p25 1.6% · median 2.7% · p75 5.9%. This contract: 2.9%.med 2.7%Within peer range
Life ($0 premium)Minnesota Life Insurance CompanyPlan 550 · 22,817 lives · Life1.8%215 peer contracts — p25 1.8% · median 3.3% · p75 8.1%. This contract: 1.8%.med 3.3%Below peer range
Life ($0 premium)Minnesota Life Insurance CompanyPlan 550 · 24,771 lives · Life3.2%215 peer contracts — p25 1.8% · median 3.3% · p75 8.1%. This contract: 3.2%.med 3.3%Within peer range
Voluntary / worksite · contract 0000003433multi-product: accident + critical illnessContinental American Insurance Company19.7%249 peer contracts — p25 12.8% · median 20.0% · p75 26.4%. This contract: 19.7%.med 20.0%Within peer range
Medical ($0 premium)Blue Care Network of Michigan5.0%3,251 peer contracts — p25 3.2% · median 4.7% · p75 6.0%. This contract: 5.0%.med 4.7%Within peer range
Life ($0 premium)Minnesota Life Insurance CompanyPlan 550 · 7,440 lives · Life2.3%422 peer contracts — p25 2.3% · median 6.4% · p75 12.1%. This contract: 2.3%.med 6.4%Below peer range
Dental · contract 0143169Metropolitan Life Insurance Company5.1%795 peer contracts — p25 4.0% · median 7.0% · p75 10.0%. This contract: 5.1%.med 7.0%Within peer range
Voluntary / worksite · contract 1000036Legalplans USA35.0%249 peer contracts — p25 12.8% · median 20.0% · p75 26.4%. This contract: 35.0%.med 20.0%Above peer range
Long-term disability · contract 0243532Metropolitan Life Insurance CompanyPlan 550 · 578 lives · Long-term disability1.6%534 peer contracts — p25 5.3% · median 10.9% · p75 16.2%. This contract: 1.6%.med 10.9%Below peer range
Life ($0 premium)Minnesota Life Insurance CompanyPlan 550 · 295 lives · Life1.8%2,865 peer contracts — p25 10.9% · median 15.2% · p75 20.0%. This contract: 1.8%.med 15.2%Below peer range
Medical ($0 premium)Blue Cross Blue Shield of Michigan5.0%2,345 peer contracts — p25 3.2% · median 4.5% · p75 5.8%. This contract: 5.0%.med 4.5%Within peer range
Life ($0 premium)Minnesota Life Insurance CompanyPlan 550 · 167 lives · Life1.8%2,865 peer contracts — p25 10.9% · median 15.2% · p75 20.0%. This contract: 1.8%.med 15.2%Below peer range
Short-term disability · contract 000010255435The Lincoln National Life Insurance Company13.6%1,476 peer contracts — p25 11.0% · median 15.3% · p75 20.0%. This contract: 13.6%.med 15.3%Within peer range
Short-term disability · contract VDT0963021Life Insurance Company of North America0.9%1,476 peer contracts — p25 11.0% · median 15.3% · p75 20.0%. This contract: 0.9%.med 15.3%No commission on this contract
Life ($0 premium)Life Insurance Company of North AmericaPlan 550 · 517 lives · Life0.9%1,145 peer contracts — p25 6.0% · median 11.9% · p75 16.8%. This contract: 0.9%.med 11.9%No commission on this contract
Life ($0 premium)The Lincoln National Life Insurance CompanyPlan 550 · 437 lives · Life, Other (ACCIDENTAL DEATH AND …13.4%2,865 peer contracts — p25 10.9% · median 15.2% · p75 20.0%. This contract: 13.4%.med 15.2%Within peer range
Long-term disability · contract LK0966219Life Insurance Company of North America0.9%742 peer contracts — p25 14.0% · median 17.3% · p75 21.6%. This contract: 0.9%.med 17.3%No commission on this contract
Life ($0 premium)The Lincoln National Life Insurance CompanyPlan 550 · 380 lives · Life13.4%2,865 peer contracts — p25 10.9% · median 15.2% · p75 20.0%. This contract: 13.4%.med 15.2%Within peer range
Dental · contract GUDB0BS22United of Omaha Life Insurance Company6.6%455 peer contracts — p25 7.5% · median 10.0% · p75 12.9%. This contract: 6.6%.med 10.0%Below peer range
Life ($0 premium)Minnesota Life Insurance CompanyPlan 550 · 167 lives · Life1.9%2,865 peer contracts — p25 10.9% · median 15.2% · p75 20.0%. This contract: 1.9%.med 15.2%No commission on this contract
Voluntary / worksite · contract 49823Provident Life and Accident Insurance Company0.5%3,165 peer contracts — p25 14.4% · median 19.7% · p75 25.2%. This contract: 0.5%.med 19.7%No commission on this contract
Long-term disability · contract 000010255432The Lincoln National Life Insurance Company16.0%1,753 peer contracts — p25 11.7% · median 15.6% · p75 20.0%. This contract: 16.0%.med 15.6%Within peer range
Short-term disability · contract 0243534Metropolitan Life Insurance CompanyPlan 550 · 185 lives · Short-term disability2.1%1,476 peer contracts — p25 11.0% · median 15.3% · p75 20.0%. This contract: 2.1%.med 15.3%No commission on this contract
Life ($0 premium)Minnesota Life Insurance CompanyPlan 550 · 126 lives · Life1.8%2,865 peer contracts — p25 10.9% · median 15.2% · p75 20.0%. This contract: 1.8%.med 15.2%No commission on this contract
VisionEyeMed Vision Care on behalf of Fidelity Security Life Insurance Co.8.4%1,050 peer contracts — p25 5.0% · median 9.9% · p75 10.6%. This contract: 8.4%.med 9.9%Within peer range
Long-term disability · contract GLTD0BS22United of Omaha Life Insurance Company17.5%742 peer contracts — p25 14.0% · median 17.3% · p75 21.6%. This contract: 17.5%.med 17.3%Within peer range
Life ($0 premium)Life Insurance Company of North AmericaPlan 550 · 517 lives · Other (ACCIDENTAL DEATH AND DISMEM…0.8%1,145 peer contracts — p25 6.0% · median 11.9% · p75 16.8%. This contract: 0.8%.med 11.9%No commission on this contract
Life ($0 premium)United of Omaha Life Insurance CompanyPlan 550 · 96 lives · Life, Other (ACCIDENTAL DEATH AND …14.4%832 peer contracts — p25 13.6% · median 16.9% · p75 21.3%. This contract: 14.4%.med 16.9%Within peer range
Life ($0 premium)United of Omaha Life Insurance CompanyPlan 550 · 43 lives · Life, Other (ACCIDENTAL DEATH AND …22.1%832 peer contracts — p25 13.6% · median 16.9% · p75 21.3%. This contract: 22.1%.med 16.9%Above peer range

Bundled and other contracts — no single-line peer comparison

A bundled contract covers two or more lines on one premium (for example Health + Dental). Its effective rate is the commission on the whole premium; it is shown for completeness and never compared with single-line peers, because the mix of lines inside the bundle sets the rate as much as the broker does.

CoversContractEffective ratevs. peers
Medical + DentalBluecross Blueshield of TexasPlan 5506.2%Bundled; no single-line peer
Vision + Life + Short-term disability + Long-term disabilityDearborn Life Insurance CompanyPlan 55013.7%Bundled; no single-line peer
Medical + DentalHighmark Inc.Plan 5506.0%Bundled; no single-line peer
Other benefitBUSINESS TRAVEL ACCIDENTMinnesota Life Insurance CompanyPlan 5501.8%No comparable line
Dental + VisionPrincipal Life Insurance CompanyPlan 5508.7%Bundled; no single-line peer
Life + Short-term disability + Long-term disabilityGuardian Life Insurance Company of AmericaPlan 550Not comparableBundled; no single-line peerPremium under $10,000 is too small to compare
8 contracts under $10,000 in premium — listed for completeness, not compared to peers. Show
  • Short-term disability — Metropolitan Life Insurance Company — Premium under $10,000 is too small to compare
  • Voluntary / worksite — United of Omaha Life Insurance Company — Premium under $10,000 is too small to compare
  • Short-term disability — United of Omaha Life Insurance Company — Premium under $10,000 is too small to compare
  • Short-term disability — Metropolitan Life Insurance Company — Premium under $10,000 is too small to compare
  • Vision — United of Omaha Life Insurance Company — Premium under $10,000 is too small to compare
  • Voluntary / worksite — United of Omaha Life Insurance Company — Premium under $10,000 is too small to compare
  • Life — The Lincoln National Life Insurance Company — Premium under $10,000 is too small to compare
  • Short-term disability — Metropolitan Life Insurance Company — Premium under $10,000 is too small to compare
How the peer group for each line was built
  • Long-term disability: n=61 contracts, Southeast, 10001-50000 covered lives
  • Life: n=215 contracts, Southeast, 10001-50000 covered lives
  • Voluntary / worksite: n=249 contracts, Southeast, 2501-10000 covered lives
  • Medical: n=3,251 contracts, Southeast, 101-500 covered lives
  • Life: n=422 contracts, Southeast, 2501-10000 covered lives
  • Dental: n=795 contracts, Southeast, 501-2500 covered lives
  • Long-term disability: n=534 contracts, Southeast, 501-2500 covered lives
  • Life: n=2,865 contracts, Southeast, 101-500 covered lives
  • Medical: n=2,345 contracts, Southeast, 1-100 covered lives
  • Short-term disability: n=1,476 contracts, Southeast, 101-500 covered lives
  • Life: n=1,145 contracts, Southeast, 501-2500 covered lives
  • Long-term disability: n=742 contracts, Southeast, 1-100 covered lives
  • Dental: n=455 contracts, Southeast, 1-100 covered lives
  • Voluntary / worksite: n=3,165 contracts, Southeast, 101-500 covered lives
  • Long-term disability: n=1,753 contracts, Southeast, 101-500 covered lives
  • Vision: n=1,050 contracts, Southeast, 501-2500 covered lives
  • Life: n=832 contracts, Southeast, 1-100 covered lives
  • Short-term disability: n=733 contracts, Southeast, 1-100 covered lives
  • Voluntary / worksite: n=3,250 contracts, Southeast, 1-100 covered lives
  • Vision: n=224 contracts, Southeast, 1-100 covered lives

n = the number of peer contracts in that comparison group.

Everything in this table is from the 2024 filing. These 43 contracts are a subset of the broker compensation disclosed for that year. The remainder sits on contracts with no premium reported or on Schedule C service-provider fees, which carry no contract rate.

Who funds this. Voluntary / worksite premium is typically paid by employees through payroll deduction, so commission on those lines comes out of employee money rather than company money.

Peer comparison here is contract-level: each line is matched to single-line contracts covering a similar number of lives. The geography and size band come from that cell's generated scope label. That is a different group from the plan-level peer set, which compares employers on total broker cost per employee, so the two sample sizes are not expected to agree. The national table on the research page includes every single-line contract on that benefit line. Company pages use the tightest cell with at least 10 contracts — region and size when those exist, otherwise national. The two medians answer different questions, so they are not expected to match. Contracts under $10,000 in premium are listed for completeness, with no rate or peer position. A near-zero rate on a large premium usually means the broker is paid elsewhere (through a bundled contract, a Schedule C fee, or commission on other lines), so no market position is shown for that contract.

Plans on file

Expand a plan to see its insured contracts and year-over-year history — the details someone on the plan can recognize and verify.

PN 550MICHELIN HEALTH AND WELFARE PLAN18K participants (2024)
HealthDentalVisionLife insuranceShort-term disabilityLong-term disabilityUnemploymentApprenticeship / trainingScholarshipSeveranceOtherSelf-funded · 4 years on file

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PN 510BFG RETIREE MEDICAL PLAN0 participants (2024)
HealthSelf-funded · 4 years on file

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PN 602MICHELIN PRE-65 HEALTH PLAN0 participants (2024)
HealthSelf-funded · 4 years on file

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Covers = benefits reported on the Form 5500 (welfare benefit codes). Contracts = insured lines itemized on Schedule A; a self-funded medical line never appears there.

At a glance

Primary brokerLimited on public pages
Years on file4
Lead broker continuityFiled brokername changed
Broker setup18 brokers in 202427 across all years
Most
Peer benchmarkManufacturing — Lightn=17 · regional peers

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How do similar employers compare?

Employers in the same peer group (Manufacturing — Light, similar size), from public Form 5500 filings. Open one to see what it pays its broker.

Browse more: South Carolina employer health plans · Manufacturing — Light plans in South Carolina · all states

Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Most recent plan year on file: 2024. Dataset refreshed October 7, 2026. Plan years are labeled by the year they begin, so a July 2024 – June 2025 plan year is 2024. Filings may lag 12–18 months behind the current plan year.

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