Cooper-Standard Automotive Inc.
Updated Filing received by DOL
Cooper-Standard Automotive Inc., a manufacturing — metal, equipment, transportation employer in Northville, Michigan, reported 2,575 participants in its health and welfare plans for plan year 2025. Its Form 5500 shows $311,266 in insurance premiums across 10 contracts and $257,060 in broker commissions and fees. The plan is self-funded (the employer pays claims itself). The Department of Labor received the filing on September 10, 2026, within the extension window.
Who was paid on Cooper-Standard Automotive Inc.'s plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Cooper-Standard Automotive Inc. filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Willis Towers Watson · New York, NY | $183,773 | $42,986 | $226,759 | 6 |
| Empyrean Insurance Services, Inc. · Houston, TX | $17,536 | $12,765 | $30,301 | 4 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
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 |
|---|---|---|---|---|
| Vision Service Planvision | 1,405 | $226,427 | $4,176 | 1.8% |
| Vision Service Planvision | 529 | $84,839 | $1,574 | 1.9% |
| Lincoln National Life Insurance Companylong-term disability | 2,262 | — | $54,872 | — |
| Reliastar Life Insurance Companycoverage not coded | 896 | — | $84,766 | — |
| Curalinc LLCcoverage not coded | 2,460 | — | — | — |
| Minnesota Life Insurance Companylife | 3,355 | — | $84,205 | — |
| Curalinc LLCcoverage not coded | 777 | — | — | — |
| Lincoln National Life Insurance Companylong-term disability | 38 | — | $1,120 | — |
| Minnesota Life Insurance Companylife | 1,157 | — | $5,738 | — |
| Reliastar Life Insurance Companycoverage not coded | 181 | — | $20,609 | — |
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 Cooper-Standard Automotive Inc. 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 | 2,705 | 2,575 | −4.8% |
| Premiums filed | $327,151 | $311,266 | −4.9% |
| Broker commissions + fees | $278,141 | $257,060 | −7.6% |
| 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 |
|---|---|---|---|---|
| Welfare Benefits Plan for Salaried and Non-Union Hourly Employees of Cooper-Standard Automotive Inc.#501 · insurance, general assets | December 31, 2025 | September 10, 2026 | within extension | 2,575 |
| Welfare Benefits Plan for Union-Represented Hourly Employees of Cooper-Standard Automotive Inc.#502 · insurance, general assets | December 31, 2025 | September 10, 2026 | within extension | 1,269 |
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 Cooper-Standard Automotive Inc. pay in health insurance broker commissions in 2025?
Cooper-Standard Automotive Inc.'s 2025 Form 5500 reports $257,060 in broker commissions and fees across 10 insurance contracts ($201,309 in commissions, $55,751 in fees), with Willis Towers Watson receiving the largest share.
Is Cooper-Standard Automotive Inc.'s health plan self-funded or fully insured?
The 2025 filing indicates the plan is self-funded (the employer pays claims itself).
How does Cooper-Standard Automotive Inc.'s broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Cooper-Standard Automotive Inc. because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 1,000-4,999 participants that disclosed broker pay reported a median of $168,579.
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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.