Belle Tire Distributors Inc.

Southfield, MI RetailNAICS 441300

Self-funded health planPlan year 2025Renews January
1,836Participants+1% vs. prior year
$4.4MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#4 of 13Retail in MIBy participants

Overview

Belle Tire Distributors Inc. sponsors a self-funded health plan that covered 1,836 participants in plan year 2025, about the same as the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
1,836 · prior year 1,816
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Belle Tire Distributors Inc. Health Benefits Plan, plan 501 (1,836 participants)
Broker compensation
$274K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disability

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
The Guardian Life Insurance Company of AmericaLife, Short-term disability, Long-term disability2,861$1.5M$254K
National Vision Administrators LLCVision2,861$214K$11K
Pre-Paid Legal Services Inc. DBA LegalshieldLegal Services Plan Memberships214$46K$9K

Pharmacy benefit estimate

StreamRX estimate for a plan this size. Not based on this plan's claims.

$4.4M/ year

Estimated prescription spend: 1,836 participants × $2,371 national average per member. Usually higher once dependents are counted.

$113K–$279K/ year

Typical savings opportunity found in independent reviews of plans this size.

Brands with a generic available$33K–$83K
Lower-cost therapeutic alternatives$48K–$101K
Generic pricing vs. actual cost$21K–$63K
PBM contract terms$11K–$33K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning January 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2025
Plan sponsor
Belle Tire Distributors Inc.
Sponsor EIN
38-1909144
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 38-1909144 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Belle Tire Distributors, Inc. 401(k) Salary Reduction Plan & Trust
Type
401(k) plan
Participants
4,770

About this data

Source: Belle Tire Distributors Inc.'s Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with Belle Tire Distributors Inc..

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