Form 5500 · Employee benefit plan · KANSAS CITY, KS
ASSOCIATED WHOLESALE GROCERS, INC.
The filing calls this plan ASSOCIATED WHOLESALE GROCERS, INC. EMPLOYEE BENEFITS PLAN.
ASSOCIATED WHOLESALE GROCERS, INC. of KANSAS CITY, KS is a 2,858-participant wholesale trade employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is HOUCHENS INSURANCE GROUP, INC.. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 48-0614866 · plan 501 · plan year 2025, filed Jul 22, 2026
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575 other employer plans in Kansas have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
Benefits declared on this filing
One contract on this filing does not say which benefits it covers, so a line above may be insured by it.
Also declared: death benefits, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 4 insured contracts covering health, dental, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 4,359 people.
The filing declares health, dental, life, disability and vision. Vision appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on the contract here that does not say what it covers.
Reported premium across the insured contracts is $8,549,208, with $130,445 in disclosed broker commissions — about 1.5% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
HOUCHENS INSURANCE GROUP, INC. is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | 2,744 | Jan 1, 2026 | $427,762 | $88,567 |
| PRINCIPAL LIFE INSURANCE COMPANY | Disability | 133 | Jan 1, 2026 | $138,777 | $41,878 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 4,359 | Jan 1, 2026 | $5,729,548 | $0 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life, Disability | 2,744 | Jan 1, 2026 | $2,253,121 | $0 |
Premium and claims on this contract
CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 3335228. For the contract year on this filing, the carrier reported $335,122 in premium earned and $11,077,084 in claims incurred. Dividing one by the other gives 3305%.
- CIGNA HEALTH AND LIFE INSURANCE COMPANY, contract 3335228 reported $2,574,989 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 3,785 employees, 184 recordable cases, 8,910 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
How this plan compares
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Renewal calendar
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