RLI Services, LLC

Chicago, IL Holding companiesNAICS 551112

Self-funded health planPlan year 2025Renews May
562Participants-21% vs. prior year
$1.3MEst. pharmacy spend / yrParticipants × national avg.
May 2027Next renewalPlan year begins May 1
#11 of 12Holding companies in ILBy participants

Overview

RLI Services, LLC sponsors a self-funded health plan that covered 562 participants in plan year 2025, down 21% from the prior year. The plan year starts in May. Alongside medical, its benefits filing reports life insurance, dental, vision, short-term disability, and more.

Plan type
ERISA welfare benefit plan, self-funded (benefits paid from employer assets or a trust)
Participants
562 · prior year 710
Plan year
Begins May 1 · next renewal May 2027
Health plans filed
Right Lane Industries Benefit Plan, plan 503 (562 participants)
Stop-loss carrier
Cigna Health and Life Insurance Company
Broker compensation
$239K across insured contracts
MedicalLife insuranceDentalVisionShort-term disabilityLong-term disabilityOther welfare benefits

Insurance carriers

Insured coverage reported on Schedule A. Self-funded medical claims aren't reported there.

CarrierCoverageCoveredPremiumBroker comp
Cigna Health and Life Insurance CompanyStop-loss340$1.5M$161K
Unum Life Insurance Company of AmericaLife, Short-term disability, Long-term disability276$341K$42K
Cigna Health and Life Insurance Company and AffiliatesDental229$182K$18K
Unum Insurance CompanyAccident, Critical Illness, Hospital Indemnity67$87K$14K
Fidelity Security Life Insurance CompanyVision409$50K$4K

Pharmacy benefit estimate

StreamRX estimate for a plan this size. Not based on this plan's claims.

$1.3M/ year

Estimated prescription spend: 562 participants × $2,371 national average per member. Usually higher once dependents are counted.

$35K–$85K/ year

Typical savings opportunity found in independent reviews of plans this size.

Brands with a generic available$10K–$25K
Lower-cost therapeutic alternatives$15K–$31K
Generic pricing vs. actual cost$6K–$19K
PBM contract terms$3K–$10K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning May 2028: semiannual PBM compensation reports and an annual audit right.

Form 5500 filing details

Filing
Form 5500 with Schedule A, plan year 2025
Plan sponsor
RLI Services, LLC
Sponsor EIN
82-0776939
Plan number
503
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 82-0776939 in the Department of Labor's EFAST2 Form 5500 search.

About this data

Source: RLI Services, LLC'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 RLI Services, LLC.

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