Form 5500 · Employee benefit plan · SHALLOTTE, NC
ATLANTIC TELEPHONE MEMBERSHIP CORPORATION
The filing calls this plan ATLANTIC TELEPHONE MEMBERSHIP CORPORATION, DBA FOCUS BROADBAND HEALTH & WELFARE BENEFITS PLAN.
ATLANTIC TELEPHONE MEMBERSHIP CORPORATION of SHALLOTTE, NC is a 457-participant information and media employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is MCGRIFF INSURANCE SERVICES, INC.. Coverage is written through UNITEDHEALTHCARE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 56-0634573 · plan 505 · plan year 2025, filed Jul 13, 2026
Get an email when this employer files a new Form 5500, and again about four months before its plan renews.
1,311 other employer plans in North Carolina have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: death benefits, other welfare.
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.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
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 5 insured contracts covering health, dental, vision, life and disability; the largest, with UNITEDHEALTHCARE INSURANCE COMPANY, covers 390 people.
Reported premium across the insured contracts is $6,465,873, with $138,767 in disclosed broker commissions — about 2.1% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
MCGRIFF INSURANCE SERVICES, INC. is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including UNITEDHEALTHCARE INSURANCE COMPANY, STANDARD INSURANCE COMPANY, EXPRESS SCRIPTS, INC. and UNITED AMERICAN INSURANCE COMPANY. UNITEDHEALTHCARE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| STANDARD INSURANCE COMPANY | Health, Dental, Vision, Life, Disability | 433 | Jan 1, 2026 | $941,650 | $126,516 |
| UNITED AMERICAN INSURANCE COMPANY | Health | 49 | Jan 1, 2026 | $136,001 | $9,341 |
| EXPRESS SCRIPTS, INC. | Health | 49 | Jan 1, 2026 | $150,285 | $2,910 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 390 | Jan 1, 2026 | $5,235,955 | $0 |
| HARTFORD LIFE AND ACCIDENT | — | 457 | Jan 1, 2026 | $1,982 | $0 |
Premium and claims on this contract
STANDARD INSURANCE COMPANY, contract 170465. For the contract year on this filing, the carrier reported $935,383 in premium earned and $473,332 in claims incurred. Dividing one by the other gives 51%.
- STANDARD INSURANCE COMPANY, contract 170465 reported $579,715 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
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. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 379 employees, 1 recordable cases, 0 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
How this plan compares
Subscribers see how this compares with similar plans in North Carolina. A subscription also adds this plan's filing history and the renewal calendar for its state. See plans and prices
Without an account you can open 10 employer, broker and carrier pages a day, including through an AI assistant, and 50 a day with a free account. Paid plans are what keep these records free to read.
Renewal calendar
1,311 other employer plans in North Carolina are January 1 renewals (policy year ends December).
Their policy years end in December, like this plan’s, so most renew January 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.
Claude & ChatGPT
Look up records from Claude or ChatGPT
Add Form5500Lookup to Claude or ChatGPT and ask about any employer, broker or carrier in plain English. Lookups are free. Renewal lists, full books of business and exports are included with a subscription.
Building a list or a tool from these records? Match a list you already have from $29 per 1,000 records, or license the whole dataset as a weekly file for $499 a month. See both
More employer plans in North Carolina — largest plans, brokers, carriers and renewal months.