Form 5500 · Employee benefit plan · ASHTON, IL
CREST FOODS CO., INC.
The filing calls this plan CREST FOODS CO., INC. MEDICAL PLAN.
CREST FOODS CO., INC. of ASHTON, IL insures health, dental, life, disability and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is BRENNAN & STUART INC. Coverage is written through BERKLEY LIFE AND HEALTH 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 36-2362102 · plan 503 · plan year 2025, filed May 13, 2026
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2,668 other employer plans in Illinois 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
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
5 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: 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 11 insured contracts covering health, dental, life, disability and stop-loss; the largest, with BERKLEY LIFE AND HEALTH INSURANCE COMPANY, covers 433 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 one of the 5 contracts here that do not say what they cover.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $1,066,725, with $99,610 in disclosed broker commissions — about 9.3% 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.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 340 | Jan 1, 2026 | $199,566 | $29,935 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 346 | Jan 1, 2026 | $147,980 | $27,376 |
| BERKLEY LIFE AND HEALTH INSURANCE COMPANY | Health, Stop-loss | 433 | Jan 1, 2026 | $340,243 | $16,440 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 309 | Jan 1, 2026 | $83,562 | $12,534 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 323 | Jan 1, 2026 | $38,032 | $3,803 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 179 | Jan 1, 2026 | $61,305 | $3,309 |
| DELTA DENTAL OF ILLINOIS | Dental | 411 | Jan 1, 2026 | $23,818 | $3,076 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 256 | Jan 1, 2026 | $58,312 | $1,790 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | 109 | Jan 1, 2026 | $45,025 | $1,347 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 556 | Jan 1, 2026 | $46,003 | $0 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 96 | Jan 1, 2026 | $22,879 | $0 |
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: 713 employees, 38 recordable cases, 624 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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