Great Lakes Wine & Spirits LLC

Highland Park, MI Wholesale tradeNAICS 424800

Self-funded health planPlan year 2025Renews January
1,098Participants+1% vs. prior year
$2.6MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#8 of 21Wholesale trade in MIBy participants

Overview

Great Lakes Wine & Spirits LLC sponsors a self-funded health plan that covered 1,098 participants in plan year 2025, about the same as the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
1,098 · prior year 1,089
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Great Lakes Wine & Spirits LLC Employee Welfare Plan, plan 550 (1,098 participants)
Broker compensation
$166K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
Lincoln National Life Insurance CompanyLife, Short-term disability, Long-term disability1,274$517K$111K
Provident Life and Accident Insurance CompanyLife596$166K$33K
Unum Life Insurance Company of AmericaAccident, Critical Illness, Hospital360$116K$21K
Vision Service PlanVision766$72K$2K

Pharmacy benefit estimate

StreamRX estimate for a plan this size. Not based on this plan's claims.

$2.6M/ year

Estimated prescription spend: 1,098 participants × $2,371 national average per member. Usually higher once dependents are counted.

$68K–$167K/ year

Typical savings opportunity found in independent reviews of plans this size.

Brands with a generic available$20K–$49K
Lower-cost therapeutic alternatives$29K–$60K
Generic pricing vs. actual cost$12K–$37K
PBM contract terms$7K–$20K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning January 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2025
Plan sponsor
Great Lakes Wine & Spirits LLC
Sponsor EIN
26-1689149
Plan number
550
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 26-1689149 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Great Lakes Wine & Spirits, LLC 401(k) Savings and Retirement Plan
Type
401(k) plan
Participants
1,154

About this data

Source: Great Lakes Wine & Spirits LLC's Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with Great Lakes Wine & Spirits LLC.

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