Form 5500 · Employee benefit plan · CHARLOTTE, NC
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
The filing calls this plan CARDINAL FINANCIAL COMPANY HEALTH & WELFARE PLAN.
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP of CHARLOTTE, NC insures health, dental, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is AON INSURANCE AGENCY LLC. Coverage is written through BLUECROSS BLUESHIELD OF TEXAS and 20 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 23-2470039 · plan 501 · plan year 2025, filed May 19, 2026
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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: 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 25 insured contracts covering health, dental, vision, life and disability; the largest, with BLUECROSS BLUESHIELD OF TEXAS, covers 805 people.
Reported premium across the insured contracts is $11,824,024, with $384,885 in disclosed broker commissions — about 3.3% 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.
AON INSURANCE AGENCY LLC is the broker of record on 14 of the 25 contracts; the rest name a different broker or none.
21 carriers appear on the filing, including BLUECROSS BLUESHIELD OF TEXAS, UNITEDHEALTHCARE INSURANCE COMPANY, AETNA LIFE INSURANCE COMPANY and RELIASTAR LIFE INSURANCE COMPANY. BLUECROSS BLUESHIELD OF TEXAS writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUECROSS BLUESHIELD OF TEXAS | Health | 805 | Jan 1, 2026 | $5,150,780 | $197,930 |
| RELIASTAR LIFE INSURANCE COMPANY | Life, Disability | 1,355 | Jan 1, 2026 | $719,903 | $80,542 |
| DELTA DENTAL OF NORTH CAROLINA | Dental | 464 | Jan 1, 2026 | $257,218 | $20,957 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Health | 4,616 | Jan 1, 2026 | $2,240,283 | $12,911 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Dental | 145 | Jan 1, 2026 | $143,183 | $11,274 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental | 155 | Jan 1, 2026 | $112,626 | $8,916 |
| MEDICAL MUTUAL | Health | 27 | Jan 1, 2026 | $198,524 | $7,969 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 26 | Jan 1, 2026 | $180,815 | $7,841 |
| AETNA LIFE INSURANCE COMPANY | Health, Dental | 210 | Jan 1, 2026 | $1,721,327 | $7,251 |
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Vision | 167 | Jan 1, 2026 | $85,670 | $6,777 |
| PRIORITY HEALTH INSURANCE COMPANY | Health | 27 | Jan 1, 2026 | $167,336 | $6,693 |
| VISION SERVICE PLAN | Vision | 184 | Jan 1, 2026 | $40,909 | $4,089 |
| DEAN HEALTH PLAN INC | Health | 16 | Jan 1, 2026 | $98,849 | $3,930 |
| EYEMED VISION CARE | Vision | 491 | Jan 1, 2026 | $29,810 | $2,807 |
| UNITEDHEALTHCARE INSURANCE COMPANY | Vision | 128 | Jan 1, 2026 | $16,381 | $1,637 |
| UPMC HEALTH OPTIONS | Health | 3 | Jan 1, 2026 | $30,153 | $1,443 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | Health | 5 | Jan 1, 2026 | $25,406 | $939 |
| PREVEA360 HEALTH PLAN | Health | 3 | Jan 1, 2026 | $15,510 | $617 |
| KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | Health | 1 | Jan 1, 2026 | $6,719 | $269 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 1 | Jan 1, 2026 | $1,709 | $68 |
| KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | Health | 1 | Jan 1, 2026 | — | $25 |
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health | 32 | Jan 1, 2026 | $531,866 | $0 |
| HEALTH NET | Health | 5 | Jan 1, 2026 | $29,506 | $0 |
| HAWAII MEDICAL SERVICE ASSOCIATION | Health, Dental, Vision | 1 | Jan 1, 2026 | $19,541 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 4 | Jan 1, 2026 | — | $0 |
Premium and claims on these contracts
DELTA DENTAL OF NORTH CAROLINA, contract 0001750. For the contract year on this filing, the carrier reported $257,218 in premium earned and $218,248 in claims incurred. Dividing one by the other gives 85%.
MEDICAL MUTUAL, contract 0149380-01. For the contract year on this filing, the carrier reported $198,524 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
VISION SERVICE PLAN, contract 30106405. For the contract year on this filing, the carrier reported $40,909 in premium earned and $35,403 in claims incurred. Dividing one by the other gives 87%.
KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC., contract 8880000. For the contract year on this filing, the carrier reported $6,719 in premium earned and $0 in claims incurred. Dividing one by the other gives 0%.
- DELTA DENTAL OF NORTH CAROLINA, contract 0001750 reported $44,241 in retention.
- MEDICAL MUTUAL, contract 0149380-01 reported $7,969 in retention.
- VISION SERVICE PLAN, contract 30106405 reported $14,930 in retention.
- KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC., contract 8880000 reported $0 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.
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