Form 5500 · Employee benefit plan · ROYAL OAK, MI
RPM FREIGHT SYSTEMS, LLC
The filing calls this plan RPM FREIGHT SYSTEMS, LLC WELFARE BENEFIT PLAN.
RPM FREIGHT SYSTEMS, LLC of ROYAL OAK, MI insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is DEAN E. AUSTIN. Coverage is written through BLUE CROSS BLUE SHIELD OF MICHIGAN and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 27-1470793 · plan 501 · plan year 2025, filed May 27, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
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.
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 4 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF MICHIGAN, covers 391 people.
Reported premium across the insured contracts is $2,234,034, with $95,142 in disclosed broker commissions — about 4.3% 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.
DEAN E. AUSTIN is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF MICHIGAN, UNITED OF OMAHA LIFE INSURANCE COMPANY, DELTA DENTAL OF MICHIGAN and PRINCIPAL LIFE INSURANCE COMPANY. BLUE CROSS BLUE SHIELD OF MICHIGAN writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health | 391 | Jan 1, 2026 | $1,917,988 | $58,183 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life, Disability | 257 | Jan 1, 2026 | $174,762 | $22,883 |
| DELTA DENTAL OF MICHIGAN | Dental | 392 | Jan 1, 2026 | $124,412 | $12,253 |
| PRINCIPAL LIFE INSURANCE COMPANY | Vision | 369 | Jan 1, 2026 | $16,872 | $1,823 |
Premium and claims on these contracts
BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 280724. For the contract year on this filing, the carrier reported $1,917,988 in premium earned and $1,464,373 in claims incurred. Dividing one by the other gives 76%.
DELTA DENTAL OF MICHIGAN, contract 10774. For the contract year on this filing, the carrier reported $124,412 in premium earned and $89,622 in claims incurred. Dividing one by the other gives 72%.
- BLUE CROSS BLUE SHIELD OF MICHIGAN, contract 280724 reported $599,522 in retention.
- DELTA DENTAL OF MICHIGAN, contract 10774 reported $26,152 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.
Other plans filed by this employer
How this plan compares
Subscribers see how this compares with similar plans in Michigan. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
More employer plans in Michigan — largest plans, brokers, carriers and renewal months.