Fca US LLC
Updated Filing received by DOL a plan year 2025 filing was received June 30, 2026 for 3 of this employer's 4 plans; this record moves to 2025 when all have arrived
Fca US LLC, a manufacturing — metal, equipment, transportation employer in Auburn Hills, Michigan, reported 37,087 participants in its health and welfare plans for plan year 2024. Its Form 5500 lists 29 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 an amended filing on October 15, 2025; the original filing date is not in the public dataset.
Insurance contracts and carriers
The 24 largest of 29 contracts 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 |
|---|---|---|---|---|
| Aetna Dentaldental | 330 | — | — | — |
| Delta Dentaldental | 87,570 | — | — | — |
| Delta Preferred Nationaldental | 107 | — | — | — |
| Kaiser Coloradohealth | 55 | — | — | — |
| Kaiser Georgiahealth | 1 | — | — | — |
| Kaiser Oregonhealth | 17 | — | — | — |
| Kaiser Southern Californiahealth | 125 | — | — | — |
| United Concordia Michigandental | 3,581 | — | — | — |
| United Concordia ST Louisdental | 1 | — | — | — |
| United Concordia Toledodental | 72 | — | — | — |
| VSPvision | 94,920 | — | — | — |
| Aetna Dmodental | 3 | — | — | — |
| Delta Preferred Nationaldental | 5,775 | — | — | — |
| VSPvision | 5,575 | — | — | — |
| Delta Dental Michigandental | 3 | — | — | — |
| United Concordia Michigandental | 7 | — | — | — |
| Aetna Dentaldental | 817 | — | — | — |
| Delta Preferred Nationaldental | 26,036 | — | — | — |
| United Concordia Michigandental | 988 | — | — | — |
| United Concordia Toledodental | 18 | — | — | — |
| VSPvision | 26,637 | — | — | — |
| Aetna Dentaldental | 32 | — | — | — |
| Delta Dentaldental | 1,751 | — | — | — |
| Delta Dental Preventativedental | 2,048 | — | — | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Fca US LLC 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
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 40,153 | 37,087 | −7.6% |
| Premiums filed | $0 | $0 | — |
| Broker commissions + fees | $0 | $0 | — |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
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 |
|---|---|---|---|---|
| Fca US LLC Health Care Benefits Plan for Represented Employees#580 · amended · insurance, general assets | December 31, 2024 | October 15, 2025 | amended filing; original date not in data | 37,087 |
| Fca US LLC Health Care Benefits Plan for Salaried Non-Represented Retirees#566 · insurance, general assets, trust | December 31, 2024 | October 15, 2025 | within extension | 14,548 |
| Fca US LLC Health Care Benefits Plan for Salaried Non-Represented Employees#565 · insurance | December 31, 2024 | September 1, 2025 | within extension | 10,969 |
| Fca US LLC Health Care Benefit Plan for Represented Retirees#581 · amended · insurance, general assets | December 31, 2024 | October 15, 2025 | amended filing; original date not in data | 3,637 |
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 Fca US LLC pay in health insurance broker commissions in 2024?
Fca US LLC's 2024 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 Fca US LLC's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Kaiser Colorado, Kaiser Georgia, Kaiser Oregon.
How does Fca US LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Fca US LLC 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.