FCA US LLC
Formerly BEAVER DAM PRODUCTS
EIN 27-0187394 · MI · Manufacturing — Heavy
Benchmarked against: Manufacturing — Heavy · 10,001–50,000 employees · same industry, regional · n=27 employers (your plan plus 26 peers)
Your exact in-state peer group was below the 10-plan minimum, so the comparison broadens to same industry, regional within Manufacturing — Heavy.
37,435
(2024)
Self-fundedSelf-funded (incl. mixed, stop-loss and level-funded).
Funding
$1,179,490
Broker pay, employer-paid lines (2024)
$2.63
2024 · 46th pct vs peers · n=27
Lines disclosed: Life · Long-term disability
Broker pay as a share of insured premium: 2.0% (peer median 4.2%, 23rd percentile).
Without the 6 low-disclosure peers, this plan is at the 40th percentile of 21 comparable plans (your plan plus 20 peers).
Showing 2024, the latest year with a complete peer group. A 2025 filing is on file and appears in broker history; it is not benchmarked yet.
Why 2024?
The figures above use 2024, the latest year we can compare with similar employers. A filing for 2025 is on file. Most employers have not filed for 2025 yet, so there is no complete peer group to compare it with. Rows for 2025 stay in the broker history and stay out of the headline and the peer comparison.
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.
Life
1.8%
Peer median 2.4%
Within peer rangeMedical
1.7%
Peer median 2.1%
Within peer rangeLong-term disability
20.0%
Peer median 4.4%
Above peer rangeDental and Vision are not on this filing as their own contracts, so there is no peer rate to show for them.
This page shows what was filed. The report shows what it means.
- What the gap is worth — the dollar difference vs. peer median, including a 3-year view
- The current structure compared against levels comparable plans actually reported
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Broker Compensation Benchmark Report
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Where the $1,179,490 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)
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
The 2025 filing is on file and its figures are shown as filed, but most employers have not filed 2025 yet, so it is not compared with peers. The analysis year is 2024, the latest year that is complete and benchmarked.
Broker identity on this page is limited for public viewers. Sign in with your work email or share your plan basics for the full breakdown on your company.
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.
Analysis year 2024 — the same year as the headline figure and per-participant rate above. The 2025 filing is on file and its figures are shown as filed, but most employers have not filed 2025 yet, so it is not compared with peers.
| Benefit line | Contract | Rate | vs. peers | Position |
|---|---|---|---|---|
| Life (AD&D) | Metropolitan Life Insurance CompanyPlan 564 · 89,999 lives · Life, Other (AD&D) | 1.8% | med 2.4% | Within peer range |
| Medical · contract 0245017 | Metropolitan Life Insurance Company | 1.7% | med 2.1% | Within peer range |
| Long-term disabilityfiled as “Long-term disability, Other (VEDB)” | Hartford Life and Accident | 20.0% | med 4.4% | Above peer range |
| Medical · contract 0237208 | Metropolitian Life Insurance Company | 1.8% | med 2.1% | Within peer range |
| Life (Other) | Metropolitan Life Insurance CompanyPlan 564 · 153 lives · Life, Other | 1.0% | med 14.7% | Below peer range |
How the peer group for each line was built
- Life: n=26 contracts, Midwest, 50000+ covered lives
- Medical: n=76 contracts, Midwest, 2501-10000 covered lives
- Long-term disability: n=166 contracts, Midwest, 2501-10000 covered lives
- Life: n=2,636 contracts, Midwest, 101-500 covered lives
n = the number of peer contracts in that comparison group.
Everything in this table is from the 2024 filing. These 5 contracts are a subset of the broker compensation disclosed for that year. The remainder sits on bundled multi-line contracts, contracts with no premium reported, or Schedule C service-provider fees, none of which carry a comparable single-line rate. 2025 is not rated here. Its rows appear in Broker history above as filed — pick 2025 on the year chips there to see them.
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. A rate on bundled multi-line premium is not comparable to a single-line rate, so bundled contracts are never given a peer position.
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 564FCA US LLC GROUP INSURANCE PROGRAM45K participants (2025)DentalLong-term disabilityApprenticeship / trainingSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 years on file
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PN 503FCA US LLC - UAW SUPPLEMENTAL UNEMPLOYMENT BENEFIT PLAN36K participants (2025)VisionSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 years on file
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PN 580FCA US LLC HEALTH CARE BENEFITS PLAN FOR REPRESENTED EMPLOYEES36K participants (2025)HealthLife insuranceShort-term disabilitySelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 years on file
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PN 517FCA US LLC SURVIVING SPOUSE CAR BENEFIT PROGRAM29K participants (2025)OtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 years on file
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PN 569FCA US LLC LIFE SERVICES PROGRAM11K participants (2025)OtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 years on file
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PN 565FCA US LLC HEALTH CARE BENEFITS PLAN FOR SALARIED NON-REPRESENTED EMPLOYEES9.7K participants (2025)HealthLife insuranceShort-term disabilityFully insured · 5 years on file
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PN 515FCA US LLC INCOME PROTECTION PLAN8.2K participants (2025)VisionSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 years on file
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PN 581FCA US LLC HEALTH CARE BENEFIT PLAN FOR REPRESENTED RETIREES3.1K participants (2025)HealthLife insuranceShort-term disabilitySelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 years on file
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PN 510TERMINATION ALLOWANCE PLAN FOR MANAGEMENT EXECUTIVE EMPLOYEES2.9K participants (2025)OtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 years on file
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PN 566FCA US LLC HEALTH CARE BENEFITS PLAN FOR SALARIED NON-REPRESENTED RETIREES1.9K participants (2024)HealthLife insuranceShort-term disabilitySelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 4 years on file
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PN 570FCA US LLC WORK/FAMILY ACCOUNT807 participants (2025)OtherSelf-fundedSelf-funded (incl. mixed, stop-loss and level-funded). · 5 years on file
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PN 508FCA US LLC MARINE CORP GROUP INSURANCE PLAN— participants (2025)HealthDentalLife insuranceLong-term disabilityFully insured · 5 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
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How do similar employers compare?
Employers in the same peer group (Manufacturing — Heavy, similar size), from public Form 5500 filings. Open one to see what it pays its broker.
- INTEL CORPORATIONArizonaCompensation disclosed →
- BAE SYSTEMS, INC.VirginiaCompensation disclosed →
- HUNTINGTON INGALLS INDUSTRIES, INC.VirginiaCompensation disclosed →
- CISCO SYSTEMS, INC.CaliforniaCompensation disclosed →
- L3HARRIS TECHNOLOGIES, INC.FloridaCompensation disclosed →
Browse more: Michigan employer health plans · Manufacturing — Heavy plans in Michigan · all states
Sourced from Form 5500 filings as submitted to the U.S. Department of Labor. Analysis year: 2024; newest plan year with a filing on file: 2025. 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.
Report a data discrepancy
Unbrokered reports data as filed with the DOL. If you believe a figure is incorrect, tell us what it should be. We respond within 2 business days and, where the underlying filing has been amended, update on our next data refresh. We don't remove publicly filed information on request, but we do correct genuine errors.