Form 5500 · Employee benefit plan · KALAMAZOO, MI
IMPERIAL BEVERAGE COMPANY DBA CKL CORPORATION
The filing calls this plan IMPERIAL BEVERAGE COMPANY DBA CKL CORPORATION BENEFIT PLAN.
Public Form 5500 records show how IMPERIAL BEVERAGE COMPANY DBA CKL CORPORATION of KALAMAZOO, MI, a wholesale trade employer, structures its employee benefits. Its broker of record is SUSAN L CULHANE. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 38-1994427 · plan 502 · plan year 2025, filed Jul 15, 2026
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1,931 other employer plans in Michigan 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
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.
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 5 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 404 people.
Reported premium across the insured contracts is $2,369,151, with $80,339 in disclosed broker commissions — about 3.4% 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.
SUSAN L CULHANE is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
Two carriers split the book: BLUE CROSS BLUE SHIELD OF MICHIGAN and UNITED OF OMAHA LIFE INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health, Dental, Vision | 404 | Jan 1, 2026 | $2,272,585 | $70,683 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 184 | Jan 1, 2026 | $52,921 | $5,292 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 108 | Jan 1, 2026 | $20,911 | $2,091 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 109 | Jan 1, 2026 | $16,370 | $1,637 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 299 | Jan 1, 2026 | $6,364 | $636 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 287070. For the contract year on this filing, the carrier reported $2,272,585 in premium earned and $1,892,088 in claims incurred. Dividing one by the other gives 83%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 287070 reported $708,771 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: 157 employees, 10 recordable cases, 85 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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