Form 5500 · Employee benefit plan · INDEPENDENCE, MO
ILLICIT GARDENS
The filing calls this plan ILLICIT GARDENS HEALTH & WELFARE BENEFITS PLAN.
ILLICIT GARDENS of INDEPENDENCE, MO files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is HUB INTERNATIONAL MIDWEST LIMITED. Coverage is written through BLUE CROSS BLUE SHIELD OF KANSAS CITY and 1 other carrier. The plan's most recent policy period ended in July.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 84-4644786 · plan 501 · plan year 2025, filed Feb 5, 2026
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: death benefits.
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.
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 2 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF KANSAS CITY, covers 384 people.
Reported premium across the insured contracts is $1,913,903, with $110,201 in disclosed broker commissions — about 5.8% of premium.
The most recent policy period ended in July, and the plan year ends July 31. Group contracts typically renew on that annual cycle.
HUB INTERNATIONAL MIDWEST LIMITED is the broker of record on 1 of the 2 contracts; the rest name a different broker or none.
Two carriers split the book: BLUE CROSS BLUE SHIELD OF KANSAS CITY and KANSAS CITY LIFE INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF KANSAS CITY | Health, Dental, Vision | 384 | Aug 1, 2025 | $1,819,433 | $93,621 |
| KANSAS CITY LIFE INSURANCE COMPANY | Life, Disability | 191 | Aug 1, 2025 | $94,470 | $16,580 |
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.
Reported to OSHA
Reported to OSHA for 2025: 230 employees, 9 recordable cases, 7 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
How this plan compares
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