ZF North America, Inc.

Northville, MI ManufacturingNAICS 336300

Self-funded health planPlan year 2025Renews JanuaryCollectively bargained
8,624Participants-19% vs. prior year
$20.4MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#7 of 138Manufacturing in MIBy participants

Overview

ZF North America, Inc. sponsors a self-funded health plan that covered 8,624 participants in plan year 2025, down 19% 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
8,624 · prior year 10,684
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
ZF North America, Inc. Welfare Benefit Plan, plan 501 (8,624 participants)
Broker compensation
$1.3M 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
Hartford Life and AccidentLife, Long-term disability8,133$8.8M$1.3M
Vision Service PlanVision7,241$1.1M—
Hartford Fire Insurance CompanyBusiness Travel Accident4,006$70K$10K

Pharmacy benefit estimate

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

$20.4M/ year

Estimated prescription spend: 8,624 participants × $2,371 national average per member. Usually higher once dependents are counted.

$532K–$1.3M/ year

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

Brands with a generic available$155K–$389K
Lower-cost therapeutic alternatives$227K–$474K
Generic pricing vs. actual cost$98K–$294K
PBM contract terms$51K–$153K
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
ZF North America, Inc.
Sponsor EIN
61-1462969
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 61-1462969 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
ZF North America, Inc. 401(k) Savings Plan
Type
401(k) plan
Participants
11,775

About this data

Source: ZF North 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 ZF North America, Inc..

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