Form 5500 · Employee benefit plan · RIVER FOREST, IL
TRUSTEES OF LIQUOR & ALLIED WORKER UNION LOCAL 3 HEALTH AND WELFARE SA
The filing calls this plan LIQUOR AND ALLIED WORKERS UNION LOCAL NO. 3 HEALTH AND WELFARE FUND - SALES DIVISION.
TRUSTEES OF LIQUOR & ALLIED WORKER UNION LOCAL 3 HEALTH AND WELFARE SA of RIVER FOREST, IL is a 2,186-participant wholesale trade employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is ELITE ADMINISTRATION & INSURANCE GR. Coverage is written through NATIONWIDE LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in October.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 36-3265979 · plan 501 · plan year 2025, filed Aug 12, 2026
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81 other employer plans in Illinois have policy years ending in October. 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 filing reports benefits paid from the plan's own money, and no medical insurance contract on Schedule A.
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: supplemental unemployment.
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 life, disability and stop-loss; the largest, with NATIONWIDE LIFE INSURANCE COMPANY, covers 2,042 people.
The filing declares disability, health, dental and vision. Health, dental and vision appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The stop-loss contract reports $2,177,824 in premium and $217,782 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $2,718,956, with $251,537 in disclosed broker commissions — about 9.3% of premium.
The most recent policy period ended in October, and the plan year ends October 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| NATIONWIDE LIFE INSURANCE COMPANY | Stop-loss | 2,042 | Nov 1, 2025 | $2,177,824 | $217,782 |
| DEARBORN LIFE INSURANCE COMPANY | Life, Disability | 2,081 | Nov 1, 2025 | $392,458 | $18,891 |
| STANDARD INSURANCE COMPANY | Life | 2,042 | Nov 1, 2025 | $76,026 | $7,599 |
| STANDARD INSURANCE COMPANY | Life | 107 | Mar 1, 2025 | $72,648 | $7,265 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 170907. For the contract year on this filing, the carrier reported $76,026 in premium earned and $29,078 in claims incurred. Dividing one by the other gives 38%.
- STANDARD INSURANCE COMPANY, contract 170907 reported $46,945 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.
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