Auto-Owners Insurance Company
Updated Filing received by DOL
Auto-Owners Insurance Company, a finance & insurance employer in Lansing, Michigan, reported 6,084 participants in its health and welfare plans for plan year 2025. Its Form 5500 lists 10 insurance contracts on Schedule A but reports no premium and no broker compensation on them. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on June 22, 2026, before the deadline.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Eyemed Vision Care/Fidelity Security Life Insurance Companyvision | 2,941 | — | — | — |
| Auto-Owners Insurance Companyhealth, dental, vision, short-term disability, prescription drug | 13,023 | — | — | — |
| Blue Care Network of MichiganHMO | 2,289 | — | — | — |
| Vision Service Planvision | 2,174 | — | — | — |
| Auto-Owners Life Insurance Companylife | 11,962 | — | — | — |
| Auto-Owners Life Insurance Companylong-term disability | 6,242 | — | — | — |
| University of Michigan Health PlanHMO | 925 | — | — | — |
| Eyemed Vision Care/Fidelity Security Life Insurance Companyvision | 122 | — | — | — |
| Auto-Owners Insurance Companyhealth, dental, vision | 664 | — | — | — |
| Vision Service Planvision | 209 | — | — | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Auto-Owners Insurance Company compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 5,823 | 6,084 | +4.5% |
| Premiums filed | $11,478,625 | $0 | — |
| Broker commissions + fees | $0 | $0 | — |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Auto-Owners Insurance Company Flexible Benefit Program, A-O Flex#506 · insurance, general assets | December 31, 2025 | June 22, 2026 | before deadline | 6,084 |
| Auto-Owners Insurance Company Retiree Health Plan#507 · insurance, general assets | December 31, 2025 | June 22, 2026 | before deadline | 527 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Auto-Owners Insurance Company pay in health insurance broker commissions in 2025?
Auto-Owners Insurance Company's 2025 Form 5500 reports no broker commissions or fees on Schedule A. Self-funded plans often pay consultants directly, which the public filing does not always capture.
Is Auto-Owners Insurance Company's health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Auto-Owners Insurance Company.
How does Auto-Owners Insurance Company's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Auto-Owners Insurance Company because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 5,000+ participants that disclosed broker pay reported a median of $458,262.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.