Form 5500 · Employee benefit plan · WINSTON-SALEM, NC
CAROLINA DEALERSHIPS, INC.
The filing calls this plan CAROLINA DEALERSHIPS, INC. WELFARE BENEFIT TRUST CAFETERIA PLAN.
CAROLINA DEALERSHIPS, INC. of WINSTON-SALEM, NC is a 3,500-participant professional services employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is FOUNDATION RISK PARTNERS CORP. Coverage is written through METROPOLITAN LIFE INSURANCE COMPANY and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-0465434 · plan 501 · plan year 2024, filed Nov 4, 2025
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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
Self-funded as reported
The filing reports benefits paid from the plan's own money, and no medical insurance contract on Schedule A.
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: 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 16 insured contracts covering health, dental, vision, life, disability and stop-loss; the largest, with METROPOLITAN LIFE INSURANCE COMPANY, covers 5,104 people.
The medical plan carries stop-loss coverage: the filing reports the plan paying its own health claims, with insured protection against large ones.
Reported premium across the insured contracts is $5,810,449, with $697,288 in disclosed broker commissions — about 12% 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.
FOUNDATION RISK PARTNERS CORP is the broker of record on 12 of the 16 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY | Dental, Life, Disability | 5,104 | Jan 1, 2025 | $3,062,434 | $538,475 |
| RELIASTAR LIFE INSURANCE COMPANY | — | 1,602 | Jan 1, 2025 | $453,560 | $117,274 |
| EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | Vision | 3,141 | Jan 1, 2025 | $176,675 | $39,695 |
| USABLE LIFE | — | 36 | Jan 1, 2025 | $7,534 | $579 |
| USABLE LIFE | — | 20 | Jan 1, 2025 | $4,160 | $342 |
| USABLE LIFE | — | 11 | Jan 1, 2025 | $3,269 | $248 |
| USABLE LIFE | — | 7 | Jan 1, 2025 | $1,423 | $142 |
| USABLE LIFE | — | 7 | Jan 1, 2025 | $1,738 | $124 |
| USABLE LIFE | — | 4 | Jan 1, 2025 | $1,477 | $106 |
| USABLE LIFE | — | 7 | Jan 1, 2025 | $1,369 | $99 |
| USABLE LIFE | — | 3 | Jan 1, 2025 | $1,054 | $76 |
| USABLE LIFE | — | 1 | Jan 1, 2025 | $684 | $76 |
| USABLE LIFE | — | 1 | Jan 1, 2025 | $369 | $26 |
| USABLE LIFE | — | 1 | Jan 1, 2025 | $369 | $26 |
| BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | Health, Stop-loss | 3,337 | Jan 1, 2025 | $2,077,517 | $0 |
| COLUMBIAN MUTUAL LIFE INSURANCE CO. | Life | 50 | Jan 1, 2025 | $16,817 | $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. We publish company names only.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule H
These are the plan's own figures from Schedule H, the financial statement it files. They are not the premium on Schedule A.
Other plans filed by this employer
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Renewal calendar
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