Form 5500 · Employee benefit plan · CHARLOTTE, NC
AMERICAN RADIO EMPLOYEE HEALTH PLAN
AMERICAN RADIO EMPLOYEE HEALTH PLAN of CHARLOTTE, NC is a 282-participant information and media employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is GAGE BENEFIT ADVISORS INC.. Coverage is written through TOKIO MARINE and 2 other carriers. The plan's most recent policy period ended in January.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 56-2043596 · plan 501 · plan year 2026, filed Jul 7, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
57 other employer plans in North Carolina have policy years ending in January. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Self-funded as reported
The filing reports a stop-loss contract and no medical premium, which is what a plan that pays its own claims reports.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 3 insured contracts covering vision, life, disability and stop-loss; the largest, with TOKIO MARINE, covers 195 people.
The filing declares vision, life, disability, health and dental. Health and dental appear with no insured contract on Schedule A. That coverage may be self-funded, or placed with a carrier that is not on this filing.
The only insured piece of the health benefit is stop-loss coverage, and the filing reports the plan paying its own claims. The stop-loss contract reports $340,793 in premium and $0 in commission. The rest of the premium and commission above is on the plan's other insured lines, and none of it is medical premium.
Reported premium across the insured contracts is $519,230, with $27,294 in disclosed broker commissions — about 5.3% of premium.
The most recent policy period ended in January, and the plan year ends January 31. Group contracts typically renew on that annual cycle.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AMERICAN UNITED LIFE INSURANCE COMPANY | Life, Disability | 208 | Feb 1, 2026 | $138,266 | $23,277 |
| COMMUNITY EYE CARE | Vision | 269 | Feb 1, 2026 | $40,171 | $4,017 |
| TOKIO MARINE | Stop-loss | 195 | Feb 1, 2026 | $340,793 | $0 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. The service providers are named on Schedule C of this filing. We publish company names only.
Other plans filed by this employer
How this plan compares
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Renewal calendar
57 other employer plans in North Carolina are February 1 renewals (policy year ends January).
Their policy years end in January, like this plan’s, so most renew February 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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