Form 5500 · Employee benefit plan · BELOIT, WI
KERRY INC.
The filing calls this plan KERRY INC. HEALTH AND WELFARE BENEFITS PLAN.
KERRY INC. of BELOIT, WI is a 4,799-participant manufacturing employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is MERCER HEALTH & BENEFITS, LLC. Coverage is written through UNUM LIFE INSURANCE COMPANY OF AMERICA and 6 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 51-0274193 · plan 501 · plan year 2025, filed May 14, 2026
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74 other employer plans in Wisconsin have policy years ending in June. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
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
Health: BCBS OF ILLINOIS covers 199 of 4,799 participants (4.1%) on Schedule A.
Dental: THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA covers 81 of 4,799 participants (1.7%) on Schedule A.
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.
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 7 insured contracts covering health, dental, vision, life and disability; the largest, with UNUM LIFE INSURANCE COMPANY OF AMERICA, covers 5,591 people.
Reported premium across the insured contracts is $4,871,741, with $320,052 in disclosed broker commissions — about 6.6% of premium.
The health contract's policy period ended in June, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
MERCER HEALTH & BENEFITS, LLC is the broker of record on 2 of the 7 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including UNUM LIFE INSURANCE COMPANY OF AMERICA, BCBS OF ILLINOIS, RELIASTAR LIFE INSURANCE COMPANY and VISION SERVICE PLAN. UNUM LIFE INSURANCE COMPANY OF AMERICA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIASTAR LIFE INSURANCE COMPANY | — | 2,150 | Jan 1, 2026 | $674,466 | $179,553 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 5,591 | Jan 1, 2026 | $2,710,129 | $74,055 |
| BCBS OF ILLINOIS | Health | 199 | Jul 1, 2025 | $808,013 | $33,568 |
| METLIFE LEGAL PLANS | — | 705 | Jan 1, 2026 | $153,805 | $14,499 |
| VISION SERVICE PLAN | Vision | 3,375 | Jan 1, 2026 | $477,493 | $11,122 |
| HARTFORD FIRE INSURANCE COMPANY | — | 5,591 | Jan 1, 2026 | $24,715 | $4,943 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental | 81 | Jul 1, 2025 | $23,120 | $2,312 |
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: 2,036 employees, 31 recordable cases, 485 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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