Form 5500 · Employee benefit plan · PORTLAND, OR
RADIUS RECYCLING, INC.
The filing calls this plan RADIUS RECYCLING, INC. HEALTH & WELFARE PLAN.
Public Form 5500 records show how RADIUS RECYCLING, INC. of PORTLAND, OR, a manufacturing employer, structures its employee benefits. Its broker of record is MERCER HEALTH AND BENEFITS ADMIN. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 8 other carriers. The plan's most recent policy period ended in July.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 93-0341923 · plan 501 · plan year 2025, filed Jul 27, 2026
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24 other employer plans in Oregon have policy years ending in July. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
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
Dental: the largest of the 2 insured dental contracts, with MCS LIFE INSURANCE COMPANY, covers 41 of 2,970 participants (1.4%) on Schedule A.
Also declared: death benefits, 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 14 insured contracts covering health, dental, vision, life and disability.
Reported premium across the insured contracts is $9,560,604, with $43,664 in disclosed broker commissions — about 0.5% of premium.
The health contract's policy period ended in July, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
MERCER HEALTH AND BENEFITS ADMIN is the broker of record on 1 of the 14 contracts; the rest name a different broker or none.
9 carriers appear on the filing, including KAISER FOUNDATION HEALTH PLAN, INC., STANDARD INSURANCE COMPANY, KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST and MCS LIFE INSURANCE COMPANY. KAISER FOUNDATION HEALTH PLAN, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | — | 652 | Jan 1, 2026 | $126,964 | $25,435 |
| MCS LIFE INSURANCE COMPANY | Health, Dental, Vision, Life | 41 | Aug 1, 2025 | $280,020 | $13,861 |
| ACE AMERICAN INSURANCE COMPANY | — | 2,845 | Jan 1, 2026 | $9,175 | $2,294 |
| TRIPLE-S VIDA, INC. | Disability | 50 | Apr 1, 2025 | $8,665 | $1,300 |
| TRIPLE-S VIDA, INC. | Life | 50 | Apr 1, 2025 | $5,158 | $774 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health, Vision | 465 | Jan 1, 2026 | $3,634,393 | $0 |
| STANDARD INSURANCE COMPANY | Disability | 2,671 | Jan 1, 2026 | $1,743,987 | $0 |
| STANDARD INSURANCE COMPANY | Life | 2,671 | Jan 1, 2026 | $1,480,688 | $0 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health, Vision | 179 | Jan 1, 2026 | $1,114,852 | $0 |
| STANDARD INSURANCE COMPANY | Disability | 2,671 | Jan 1, 2026 | $485,863 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health, Vision | 68 | Jan 1, 2026 | $385,354 | $0 |
| LYRA HEALTH, INC. | — | 4,932 | Jan 1, 2026 | $149,759 | $0 |
| LYRA CLINICAL ASSOCIATES P.C. | — | 4,932 | Jan 1, 2026 | $109,122 | $0 |
| HAWAII DENTAL SERVICE | Dental | 81 | Jan 1, 2026 | $26,604 | $0 |
Premium and claims on these contracts
MCS LIFE INSURANCE COMPANY, contract 791030. For the contract year on this filing, the carrier reported $280,020 in premium earned and $249,292 in claims incurred. Dividing one by the other gives 89%.
STANDARD INSURANCE COMPANY, contract 625543. For the contract year on this filing, the carrier reported $1,743,987 in premium earned and $261,118 in claims incurred. Dividing one by the other gives 15%.
STANDARD INSURANCE COMPANY, contract 625543. For the contract year on this filing, the carrier reported $1,480,633 in premium earned and $495,264 in claims incurred. Dividing one by the other gives 33%.
STANDARD INSURANCE COMPANY, contract 625543. For the contract year on this filing, the carrier reported $485,863 in premium earned and $169,416 in claims incurred. Dividing one by the other gives 35%.
- MCS LIFE INSURANCE COMPANY, contract 791030 reported $13,861 in retention.
- STANDARD INSURANCE COMPANY, contract 625543 reported $1,482,869 in retention.
- STANDARD INSURANCE COMPANY, contract 625543 reported $983,633 in retention.
- STANDARD INSURANCE COMPANY, contract 625543 reported $316,447 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. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 565 employees, 13 recordable cases, 180 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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