Form 5500 · Employee benefit plan · ELIZABETHTOWN, NC
CAMPBELL OIL COMPANY
The filing calls this plan CAMPBELL OIL COMPANY EMPLOYEE BENEFIT PLAN.
CAMPBELL OIL COMPANY of ELIZABETHTOWN, NC spreads its employee benefits across 4 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is NORTH STATE WORKSITE BENEFITS AND S. Coverage is written through BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA and 3 other carriers. The plan's most recent policy period ended in April.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 56-0504685 · plan 501 · plan year 2026, filed Sep 10, 2026
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89 other employer plans in North Carolina have policy years ending in April. 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.
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
Also declared: 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 4 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA, covers 296 people.
The filing lists a stop-loss contract. On its own that does not settle whether the plan pays its own claims.
Reported premium across the insured contracts is $2,455,020, with $199,385 in disclosed broker commissions — about 8.1% of premium.
The most recent policy period ended in April, and the plan year ends April 30. Group contracts typically renew on that annual cycle.
NORTH STATE WORKSITE BENEFITS AND S is the broker of record on 1 of the 4 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CONTINENTAL AMERICAN INSURANCE COMPANY | Life | 286 | May 1, 2026 | $348,194 | $135,531 |
| PRINCIPAL LIFE INSURANCE COMPANY | Health, Dental, Vision, Life | 429 | May 1, 2026 | $314,123 | $37,852 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 192 | May 1, 2026 | $173,345 | $26,002 |
| BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | Health, Stop-loss | 296 | May 1, 2026 | $1,619,358 | $0 |
Premium and claims on this contract
BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA, contract 141774709001. For the contract year on this filing, the carrier reported $1,619,358 in premium earned and $3,183,697 in claims incurred. Dividing one by the other gives 197%.
- BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA, contract 141774709001 reported $66,518 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. The service providers are named on Schedule C of this filing. We publish company names only.
How this plan compares
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Renewal calendar
89 other employer plans in North Carolina are May 1 renewals (policy year ends April).
Their policy years end in April, like this plan’s, so most renew May 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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