Guardian Industries Holdings, LLC

Auburn Hills, MI ManufacturingNAICS 327210

Self-funded health planPlan year 2025Renews January
819Participants+2% vs. prior year
$1.9MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#98 of 138Manufacturing in MIBy participants

Overview

Guardian Industries Holdings, LLC sponsors a self-funded health plan that covered 819 participants in plan year 2025, up 2% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, short-term disability, long-term disability.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
819 · prior year 802
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Guardian Industries Post-Retirement Benefit Plan, plan 510 (819 participants)
Broker compensation
$75K across insured contracts
MedicalLife insuranceDentalShort-term disabilityLong-term disabilityOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Metropolitan Life Insurance CompanyLife, Long-term disability3,945$1.4M$75K

Pharmacy benefit estimate

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

$1.9M/ year

Estimated prescription spend: 819 participants × $2,371 national average per member. Usually higher once dependents are counted.

$50K–$124K/ year

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

Brands with a generic available$15K–$37K
Lower-cost therapeutic alternatives$22K–$45K
Generic pricing vs. actual cost$9K–$28K
PBM contract terms$5K–$15K
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
Guardian Industries Holdings, LLC
Sponsor EIN
81-4211184
Plan number
510
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 81-4211184 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Guardian 401(k) Savings Plan
Type
401(k) plan
Participants
5,990

About this data

Source: Guardian Industries Holdings, LLC'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 Guardian Industries Holdings, LLC.

Request a correction · Methodology