RBC USA Holdco Corporation
Overview
RBC USA Holdco Corporation sponsors a self-funded health plan that covered 8,964 participants in plan year 2025, up 4% from the prior year. The plan year starts in January. Alongside medical, its benefits filing reports life insurance, dental, vision, long-term disability, and more.
- Plan type
- ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
- Participants
- 8,964 · prior year 8,583
- Plan year
- Begins January 1 · next renewal January 2027
- Health plans filed
- RBC USA Health and Welfare Benefit Plan, plan 504 (8,964 participants); Rbc-Usa Retiree Medical and Dental Plan, plan 510 (5 participants)
- Stop-loss carrier
- Bcbsmn, Inc. D.b.a Blue Cross Blue Shield of Minnesota
- Broker compensation
- $21K across insured contracts
Insurance carriers
Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.
| Carrier | Coverage | Covered | Premium | Broker comp |
|---|---|---|---|---|
| Securian Life Insurance Company | Life | 10,349 | $11.5M | — |
| Life Insurance Company of North America | Long-term disability, Short Term Disability | 9,910 | $3.0M | — |
| Bcbsmn, Inc. D.b.a Blue Cross Blue Shield of Minnesota | Stop-loss | 8,964 | $1.4M | $21K |
| Metropolitan Life Insurance Company | Vision | 15,209 | $947K | — |
| RBC Life Insurance Company | Business Travel Accident | 9,910 | $33K | — |
Pharmacy benefit estimate
StreamRX estimate for a plan this size. Not based on this plan's claims.
Estimated prescription spend: 8,964 participants × $2,371 national average per member. Usually higher once dependents are counted.
Typical savings opportunity found in independent reviews of plans this size.
Form 5500 filing details
- Filing
- Form 5500 with Schedule A, plan year 2025
- Plan sponsor
- RBC USA Holdco Corporation
- Sponsor EIN
- 20-0563684
- Plan numbers
- 504, 510
- Filed with
- U.S. Department of Labor (EBSA) via EFAST2
Verify this filing: search EIN 20-0563684 in the Department of Labor's EFAST2 Form 5500 search.
Retirement plan
- Plan
- Rbc- U.S.a. Retirement and Savings Plan
- Type
- 401(k) plan
- Participants
- 15,272
About this data
Source: RBC USA Holdco Corporation's Form 5500 filing for plan year 2025 and its Schedule A insurance reports, published by the U.S. Department of Labor. "Self-funded" means the filing reports benefits paid from employer assets or a trust, with no medical insurance contract or with a stop-loss contract. Pharmacy figures are StreamRX estimates based on national averages. StreamRX is not affiliated with RBC USA Holdco Corporation.