McDonalds's Licensees and Ronald McDonald House Plan

[401 Chaos]

Posted elsewhere but haven't gotten any response. Is anybody familiar with the McDonalds Licensees and Ronald McDonald House Charities Health and Welfare Benefit Plan / Trust. It appears to be a Group Insurance Arrangement (GIA) providing fully-insured group health and other welfare benefits to various McDonalds related groups including my local Ronald McDonald House. They Trust files a single Form 5500 for the overall "plan" as a DFE but say they do not prepare or provide ERISA SPDs for the participating employers / entities. Seems each Ronald McDonald House would need to prepare their own SPD and also presumably have some sort of wrap plan document to wrap around the group insurance docs provided by the overall Trust / Plan. Am I thinking about that incorrectly? Anybody have experience in working with this or similar GIA? Thanks.