Form 5500 · Employee benefit plan · CHICAGO, IL
MCDONALDS LICENSEES HEALTH AND WELFARE TRUST
The filing calls this plan MCDONALD'S LICENSEES/RMHC HEALTH & WELFARE GIA.
MCDONALDS LICENSEES HEALTH AND WELFARE TRUST of CHICAGO, IL spreads its employee benefits across 7 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is WILLIS TOWERS WATSON US LLC. Coverage is written through BLUECROSS BLUESHIELD OF ILLINOIS and 6 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 36-7112271 · plan 501 · plan year 2024, filed Oct 10, 2025
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
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 plan's financial statement reports paying insurance carriers far less than the premium on its insurance contracts, so most benefits were paid from plan money.
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.
The filing says this plan is subject to the Form M-1 requirement for multiple-employer welfare arrangements.
Benefits declared on this filing
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 8 insured contracts covering health, dental, vision, life and disability; the largest, with BLUECROSS BLUESHIELD OF ILLINOIS, covers 31,791 people.
Reported premium across the insured contracts is $251,487,128, with $1,128,347 in disclosed broker commissions — about 0.4% 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.
WILLIS TOWERS WATSON US LLC is the broker of record on 3 of the 8 contracts; the rest name a different broker or none.
7 carriers appear on the filing, including BLUECROSS BLUESHIELD OF ILLINOIS, FIDELITY SECURITY LIFE INSURANCE COMPANY, SECURIAN LIFE INSURANCE COMPANY and HARTFORD LIFE AND ACCIDENT. BLUECROSS BLUESHIELD OF ILLINOIS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| SECURIAN LIFE INSURANCE COMPANY | Life | 28,856 | Jan 1, 2025 | $4,814,929 | $505,568 |
| HARTFORD LIFE AND ACCIDENT | Disability | 8,000 | Jan 1, 2025 | $3,922,791 | $430,779 |
| BLUECROSS BLUESHIELD OF ILLINOIS | Health, Dental | 31,791 | Jan 1, 2025 | $203,131,838 | $192,000 |
| FIDELITY SECURITY LIFE INSURANCE COMPANY | Health | 31,739 | Jan 1, 2025 | $36,162,253 | $0 |
| EYEMED VISION CARE | Vision | 34,895 | Jan 1, 2025 | $2,471,212 | $0 |
| DELTA DENTAL OF ILLINOIS | Dental | 25,332 | Jan 1, 2025 | $644,617 | $0 |
| MAGELLAN HEALTHCARE | — | 21,183 | Jan 1, 2025 | $306,225 | $0 |
| EYEMED VISION CARE | Vision | 535 | Jan 1, 2025 | $33,263 | $0 |
Premium and claims on these contracts
BLUECROSS BLUESHIELD OF ILLINOIS, contract 53200-LICENSEE. For the contract year on this filing, the carrier reported $203,131,838 in premium earned and $183,136,595 in claims incurred. Dividing one by the other gives 90%.
FIDELITY SECURITY LIFE INSURANCE COMPANY, contract 10410. For the contract year on this filing, the carrier reported $36,162,253 in premium earned and $54,182,841 in claims incurred. Dividing one by the other gives 150%.
- BLUECROSS BLUESHIELD OF ILLINOIS, contract 53200-LICENSEE reported $19,995,243 in retention.
- FIDELITY SECURITY LIFE INSURANCE COMPANY, contract 10410 reported $1,063,295 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. The service providers are named on Schedule C of this filing. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
How this plan compares
Subscribers see how this compares with similar plans in Illinois. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
Renewal calendar
2,668 other employer plans in Illinois are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
Claude & ChatGPT
Look up records from Claude or ChatGPT
Add Form5500Lookup to Claude or ChatGPT and ask about any employer, broker or carrier in plain English. Lookups are free. Renewal lists, full books of business and exports are included with a subscription.
Building a list or a tool from these records? Match a list you already have from $29 per 1,000 records, or license the whole dataset as a weekly file for $499 a month. See both
More employer plans in Illinois — largest plans, brokers, carriers and renewal months.