Form 5500 · Employee benefit plan · JOPLIN, MO
SPECIALTY FOODS DISTRIBUTION, INC.
The filing calls this plan SPECIALTY FOODS DISTRIBUTION, INC. EMPLOYEE BENEFITS PLAN.
SPECIALTY FOODS DISTRIBUTION, INC. of JOPLIN, MO insures health, dental, vision, life and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is SUNSTAR INSURANCE GROUP LLC. Coverage is written through ALL SAVERS INSURANCE COMPANY and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 01-0794109 · plan 503 · plan year 2025, filed Jul 30, 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.
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
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 4 insured contracts covering health, dental, vision, life and stop-loss; the largest, with ALL SAVERS INSURANCE COMPANY, covers 142 people.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium across the insured contracts is $1,943,386, with $125,222 in disclosed broker commissions — about 6.4% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in January. The plan is on a split renewal cycle.
SUNSTAR INSURANCE GROUP LLC is the broker of record on 3 of the 4 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| ALL SAVERS INSURANCE COMPANY | Health, Stop-loss | 142 | Jan 1, 2026 | $1,794,321 | $115,173 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Dental, Vision | 142 | Jan 1, 2026 | $129,088 | $8,285 |
| RELIANCE STANDARD LIFE INSURANCE COMPANY | Life | 269 | Feb 1, 2025 | $19,539 | $1,720 |
| VISION SERVICE PLAN | Vision | 1 | Jan 1, 2026 | $438 | $44 |
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.
Other plans filed by this employer
How this plan compares
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