Form 5500 · Employee benefit plan · MOUNT VERNON, OH
ROYAL METAL PRODUCTS, LLC
The filing calls this plan ROYAL METAL PRODUCTS, LLC DBA HEATING AND COOLING PRODUCTS COMPANY.
Public Form 5500 records show how ROYAL METAL PRODUCTS, LLC of MOUNT VERNON, OH, a manufacturing employer, structures its employee benefits. Its broker of record is THE BALDWIN GROUP SOUTHEAST LLC. Coverage is written through COMMUNITY INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 58-1859393 · plan 503 · plan year 2025, filed Jul 1, 2026
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2,504 other employer plans in Ohio 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.
Benefits declared on this filing
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 6 insured contracts covering health, dental, vision, life and disability; the largest, with COMMUNITY INSURANCE COMPANY, covers 284 people.
Reported premium across the insured contracts is $2,386,593, with $138,374 in disclosed broker commissions — about 5.8% 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.
THE BALDWIN GROUP SOUTHEAST LLC is the broker of record on all 6 contracts.
Two carriers split the book: COMMUNITY INSURANCE COMPANY and THE LINCOLN NATIONAL LIFE INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| COMMUNITY INSURANCE COMPANY | Health | 284 | Jan 1, 2026 | $2,154,733 | $107,723 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 306 | Jan 1, 2026 | $77,925 | $11,689 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Dental | 169 | Jan 1, 2026 | $68,371 | $6,837 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 97 | Jan 1, 2026 | $42,810 | $6,422 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 237 | Jan 1, 2026 | $28,549 | $4,282 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Vision | 161 | Jan 1, 2026 | $14,205 | $1,421 |
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: 406 employees, 4 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
Other plans filed by this employer
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