Denso International America, Inc.

Southfiled, MI Wholesale tradeNAICS 423100

Self-funded health planPlan year 2025Renews January
10,619Participants-7% vs. prior year
$25.2MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#2 of 21Wholesale trade in MIBy participants

Overview

Denso International America, Inc. sponsors a self-funded health plan that covered 10,619 participants in plan year 2025, down 7% from 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
10,619 · prior year 11,469
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Denso Health and Welfare Plan, plan 526 (10,619 participants)
Broker compensation
$859K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Reliance StandardLife, Long-term disability10,015$8.3M$513K
American Heritage Life Insurance CompanyAccident, Critical Illness3,749$1.6M$335K
Metropolitan Life Insurance CompanyVision18,565$915K$6K

Pharmacy benefit estimate

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

$25.2M/ year

Estimated prescription spend: 10,619 participants × $2,371 national average per member. Usually higher once dependents are counted.

$655K–$1.6M/ year

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

Brands with a generic available$191K–$478K
Lower-cost therapeutic alternatives$279K–$584K
Generic pricing vs. actual cost$121K–$363K
PBM contract terms$63K–$189K
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
Denso International America, Inc.
Sponsor EIN
38-2651421
Plan number
526
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 38-2651421 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: Denso International America, 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 Denso International America, Inc..

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