RPM Living, LLC

Austin, TX Real estateNAICS 531310

Self-funded health planPlan year 2025Renews January
4,870Participants+11% vs. prior year
$11.5MEst. pharmacy spend / yrParticipants × national avg.
Jan 2027Next renewalPlan year begins January 1
#3 of 28Real estate in TXBy participants

Overview

RPM Living, LLC sponsors a self-funded health plan that covered 4,870 participants in plan year 2025, up 11% from the prior year. The plan year starts in January. 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
4,870 · prior year 4,399
Plan year
Begins January 1 · next renewal January 2027
Health plans filed
RPM Living Employee Benefits Plan, plan 501 (4,870 participants)
Stop-loss carrier
Blue Cross Blue Shield of Texas
Broker compensation
$685K 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
Blue Cross Blue Shield of TexasStop-loss4,805$3.0M$111K
Cigna Health and Life Insurance CompanyDental3,371$1.8M$91K
Continental American Insurance CompanyLife, Long-term disability4,870$1.3M$190K
Relistar Life Insurance CompanyAccident, Critical Illness, Hospital Con1,871$802K$197K
Metropolitan Life Insurance CompanyVision2,836$274K$97K

Pharmacy benefit estimate

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

$11.5M/ year

Estimated prescription spend: 4,870 participants × $2,371 national average per member. Usually higher once dependents are counted.

$300K–$740K/ year

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

Brands with a generic available$88K–$219K
Lower-cost therapeutic alternatives$128K–$268K
Generic pricing vs. actual cost$55K–$166K
PBM contract terms$29K–$87K
The DOL's PBM fee disclosure rule first applies to this plan for the plan year beginning January 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
RPM Living, LLC
Sponsor EIN
27-0226749
Plan number
501
Filed with
U.S. Department of Labor (EBSA) via EFAST2

Verify this filing: search EIN 27-0226749 in the Department of Labor's EFAST2 Form 5500 search.

Retirement plan

Plan
RPM Living, LLC 401(k) Plan
Type
401(k) plan
Participants
6,422

About this data

Source: RPM Living, 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 RPM Living, LLC.

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