Midwest Gaming and Entertainment, LLC DBA Rivers Casino

Des Plaines, IL Arts & recreationNAICS 713200

Self-funded health planPlan year 2025Renews January
1,878Participants+16% vs. prior year
$4.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#1 of 9Arts & recreation in ILBy participants

Overview

Midwest Gaming and Entertainment, LLC DBA Rivers Casino sponsors a self-funded health plan that covered 1,878 participants in plan year 2025, up 16% from 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
1,878 · prior year 1,623
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
Midwest Gaming & Entertainment, LLC DBA Rivers Casino Welfare Benefit Plan, plan 505 (1,878 participants)
Broker compensation
$185K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityDeath benefitsOther welfare benefits

Insurance carriers

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

CarrierCoverageCoveredPremiumBroker comp
Metropolitan Life Insurance CompanyLife, Short-term disability, Long-term disability1,878$1.3M$153K
The Guardian Life Insurance Company of AmericaDental3,803$976K$32K
Vision Service PlanVision3,694$390K—

Pharmacy benefit estimate

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

$4.5M/ year

Estimated prescription spend: 1,878 participants × $2,371 national average per member. Usually higher once dependents are counted.

$116K–$285K/ year

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

Brands with a generic available$34K–$85K
Lower-cost therapeutic alternatives$49K–$103K
Generic pricing vs. actual cost$21K–$64K
PBM contract terms$11K–$33K
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
Midwest Gaming and Entertainment, LLC DBA Rivers Casino
Sponsor EIN
41-2054764
Plan number
505
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 41-2054764 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
Midwest Gaming & Entertainment, LLC 401(k) Plan
Type
401(k) plan
Participants
2,290

About this data

Source: Midwest Gaming and Entertainment, LLC DBA Rivers Casino'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 Midwest Gaming and Entertainment, LLC DBA Rivers Casino.

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