R.L.K. and Company
Updated Filing received by DOL
R.L.K. and Company, an accommodation & food services employer in Government Camp, Oregon, reported 171 participants in its health and welfare plan for plan year 2025. Its Form 5500 shows $34,787 in insurance premiums across 8 contracts and $10,249 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 13, 2026, before the deadline.
Who was paid on R.L.K. and Company's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract R.L.K. and Company filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Mercer · Chicago, IL | $2,949 | $2,047 | $4,996 | 7 |
| Heartsease LLC · Hillsboro, OR | $1,474 | $793 | $2,267 | 1 |
| Worksite Benefits Group Inc · Vancouver, WA | $306 | $828 | $1,134 | 1 |
| Benefits BY Design Inc · Ridgefield, WA | $694 | $332 | $1,026 | 1 |
| David Kinney · Longview, WA | $442 | $86 | $528 | 1 |
| Roxana Buschman · Vancouver, WA | $169 | $0 | $169 | 1 |
| Melissa Cathleen Hadlock and Others · Battle Ground, WA | $85 | $43 | $128 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2025, as published in EBSA's 2025 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Willamette Dental Insurance, Inc.dental | 63 | $34,787 | $1,739 | 5.0% |
| The Lincoln National Life Insurance Companylife | 35 | — | $14 | — |
| The Lincoln National Life Insurance Companylong-term disability | 36 | — | $69 | — |
| The Lincoln National Life Insurance Companyshort-term disability | 36 | — | $55 | — |
| Regence Bluecross Blueshield of Oregonhealth, vision, prescription drug, PPO | 229 | — | $1,909 | — |
| Oregon Dental Service dba Delta Dental Plan of Oregondental | 165 | — | — | — |
| Cascade Centers, Inc. dba Canopy Wellbeingcoverage not coded | 200 | — | — | — |
| Colonial Life & Accident Insurance Companylife | 31 | — | $6,463 | — |
Source: DOL Form 5500 Schedule A, plan year 2025. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How R.L.K. and Company compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2024 | 2025 | Change | |
|---|---|---|---|
| Participants | 150 | 171 | +14.0% |
| Premiums filed | $23,532 | $34,787 | not comparable |
| Broker commissions + fees | $4,930 | $10,249 | +107.9% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2024 and 2025.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Timberline Lodge Health and Welfare Benefit Plan#501 · insurance, general assets | December 31, 2025 | July 13, 2026 | before deadline | 171 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did R.L.K. and Company pay in health insurance broker commissions in 2025?
R.L.K. and Company's 2025 Form 5500 reports $10,249 in broker commissions and fees across 8 insurance contracts ($6,119 in commissions, $4,130 in fees), with Mercer receiving the largest share.
Is R.L.K. and Company's health plan self-funded or fully insured?
The 2025 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Regence Bluecross Blueshield of Oregon.
How does R.L.K. and Company's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for R.L.K. and Company because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 100-199 participants that disclosed broker pay reported a median of $53,852.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.