Railcrew Xpress LLC
Updated Filing received by DOL
Railcrew Xpress LLC, a transportation — truck & rail employer in North Kansas City, Missouri, reported 472 participants in its health and welfare plans for plan year 2025. Its Form 5500 shows 11 insurance contracts with no premium reported and $204,690 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on June 1, 2026, before the deadline.
Who was paid on Railcrew Xpress LLC's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Railcrew Xpress LLC filed for 2025.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Mercer · Chicago, IL | $80,822 | $75,520 | $156,342 | 13 |
| Explain MY Benefits, LLC · Oviedo, FL | $42,218 | $0 | $42,218 | 2 |
| The Loomis Company · Wyomissing, PA | $6,130 | $0 | $6,130 | 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 |
|---|---|---|---|---|
| Delta Dental of Kansas, Inc.dental | 88 | — | $1,853 | — |
| Fidelity Security Life Insurance Companyvision | 130 | — | $683 | — |
| The Lincoln National Life Insurance Companylife | 98 | — | $1,344 | — |
| The Lincoln National Life Insurance Companylong-term disability | 98 | — | $1,924 | — |
| The Lincoln National Life Insurance Companyshort-term disability | 98 | — | $4,737 | — |
| The Lincoln National Life Insurance Companylife | 86 | — | $2,494 | — |
| Cigna Health and Life Insurance Company and Affiliateshealth, prescription drug, indemnity | 75 | — | $69,790 | — |
| Globe Life and Accident Insurance Companyshort-term disability, indemnity | 480 | — | $55,514 | — |
| Ameritas Life Insurance Corp.dental | 1,018 | — | $20,824 | — |
| Fidelity Security Life Insurance Companyvision | 550 | — | $3,385 | — |
| Sun Life Assurance Company of Canadalife | 380 | — | $42,142 | — |
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 Railcrew Xpress LLC 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 | 413 | 472 | +14.3% |
| Premiums filed | $0 | $0 | not comparable |
| Broker commissions + fees | $235,497 | $204,690 | −13.1% |
| 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 |
|---|---|---|---|---|
| Railcrewxpress Texas Injury Benefit Plan#550 · general assets | December 31, 2025 | June 1, 2026 | before deadline | 472 |
| Railcrew Xpress Health and Welfare Benefit Plan#501 · insurance, general assets | December 31, 2025 | September 10, 2026 | within extension | 401 |
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 Railcrew Xpress LLC pay in health insurance broker commissions in 2025?
Railcrew Xpress LLC's 2025 Form 5500 reports $204,690 in broker commissions and fees across 11 insurance contracts ($129,170 in commissions, $75,520 in fees), with Mercer receiving the largest share.
Is Railcrew Xpress LLC'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 Cigna Health and Life Insurance Company and Affiliates.
How does Railcrew Xpress LLC's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Railcrew Xpress LLC because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 200-499 participants that disclosed broker pay reported a median of $77,013.
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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.