Form 5500 · Employee benefit plan · HINSDALE, IL
RML HEALTH PROVIDERS, L.P.
The filing calls this plan RML HEALTH PROVIDERS, L.P.HEALTH AND WELFARE BENEFITS PROGRAM.
RML HEALTH PROVIDERS, L.P. of HINSDALE, IL files a Form 5500 with the U.S. Department of Labor disclosing its employee benefit plan. Its broker of record is STUMM INSURANCE LLC. Coverage is written through BLUECROSS BLUESHIELD OF ILLINOIS and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 36-4113692 · plan 501 · plan year 2024, filed Oct 14, 2025
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2,668 other employer plans in Illinois have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
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: 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 7 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with BLUECROSS BLUESHIELD OF ILLINOIS, covers 833 people.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium across the insured contracts is $7,225,087, with $259,939 in disclosed broker commissions — about 3.6% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
STUMM INSURANCE LLC is the broker of record on 2 of the 7 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 591 | Jan 1, 2025 | $215,770 | $102,937 |
| BLUECROSS BLUESHIELD OF ILLINOIS | Health, Dental, Stop-loss | 833 | Jan 1, 2025 | $6,406,210 | $83,875 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 810 | Jan 1, 2025 | $102,153 | $41,052 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 542 | Jan 1, 2025 | $379,090 | $29,250 |
| VISION SERVICE PLAN | Vision | 417 | Jan 1, 2025 | $62,826 | $2,132 |
| LIFESECURE INSURANCE COMPANY | — | 14 | Jan 1, 2025 | $5,908 | $693 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 810 | Jan 1, 2025 | $53,130 | $0 |
Premium and claims on this contract
BLUECROSS BLUESHIELD OF ILLINOIS, contract 018152. For the contract year on this filing, the carrier reported $6,406,210 in premium earned and $5,450,509 in claims incurred. Dividing one by the other gives 85%.
- BLUECROSS BLUESHIELD OF ILLINOIS, contract 018152 reported $955,700 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: 669 employees, 19 recordable cases, 168 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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