Form 5500 · Employee benefit plan · CHARLOTTE, NC
COMPASS GROUP USA, INC.
The filing calls this plan EMPLOYEE BENEFIT PLAN OF THE COMPASS GROUP USA, INC.
COMPASS GROUP USA, INC. of CHARLOTTE, NC is a 154,481-participant hospitality and food service employer — a large group whose insured benefits are disclosed on Schedule A of its Form 5500. Its broker of record is MERCER HEALTH AND BENEFITS ADMIN. Coverage is written through AETNA LIFE INSURANCE COMPANY and 14 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 56-1874931 · plan 510 · plan year 2024, filed Sep 25, 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
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
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
Health: the largest of the 14 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 3,119 of 154,481 participants (2%) on Schedule A.
Also declared: prepaid legal, 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 27 insured contracts covering health, dental, vision, life and disability; the largest, with AETNA LIFE INSURANCE COMPANY, covers 97,772 people.
Reported premium across the insured contracts is $141,154,789, with $3,396,999 in disclosed broker commissions — about 2.4% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in September. The plan is on a split renewal cycle.
MERCER HEALTH AND BENEFITS ADMIN is the broker of record on 2 of the 27 contracts; the rest name a different broker or none.
15 carriers appear on the filing, including AETNA LIFE INSURANCE COMPANY, KAISER FOUNDATION HEALTH PLAN, INC., METROPOLITAN LIFE INSURANCE COMPANY and LIFE INSURANCE COMPANY OF NORTH AMERICA. AETNA LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY | Health | 35,294 | Jan 1, 2025 | $8,876,806 | $2,487,628 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 3,119 | Jan 1, 2025 | $21,785,952 | $217,974 |
| LEGALPLANS, USA | — | 9,000 | Jan 1, 2025 | $1,401,921 | $210,288 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 2,016 | Jan 1, 2025 | $13,844,229 | $139,023 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 162,097 | Jan 1, 2025 | $7,775,909 | $77,759 |
| LIFE INSURANCE COMPANY OF NORTH AMERICA | Disability | 162,097 | Jan 1, 2025 | $5,471,812 | $54,718 |
| TRIPLE S SALUD, INC. | Health | 142 | Jan 1, 2025 | $1,029,538 | $51,477 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | Health | 728 | Jan 1, 2025 | $5,578,324 | $50,990 |
| KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | Health | 376 | Jan 1, 2025 | $2,751,611 | $27,122 |
| KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | Health | 392 | Jan 1, 2025 | $2,790,085 | $25,433 |
| KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | Health | 379 | Jan 1, 2025 | $2,481,807 | $24,411 |
| KAISER FOUNDATION HEALTH PLAN OF COLORADO | Health | 322 | Jan 1, 2025 | $1,921,178 | $18,810 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 119 | Jan 1, 2025 | $858,886 | $8,539 |
| DELTA DENTAL OF PUERTO RICO, INC. | Dental | 142 | Jan 1, 2025 | $32,129 | $2,827 |
| AETNA LIFE INSURANCE COMPANY | Dental | 97,772 | Jan 1, 2025 | $37,761,114 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 64,760 | Jan 1, 2025 | $13,282,769 | $0 |
| VISION SERVICE PLAN | Vision | 61,984 | Jan 1, 2025 | $6,642,486 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 126,567 | Jan 1, 2025 | $5,887,199 | $0 |
| AETNA LIFE INSURANCE COMPANY | Health | 133 | Jan 1, 2025 | $530,313 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 15,000 | Jan 1, 2025 | $167,708 | $0 |
| AETNA LIFE INSURANCE COMPANY | Health | 7 | Jan 1, 2025 | $123,445 | $0 |
| ACE AMERICAN INSURANCE COMPANY | — | 41,955 | Sep 30, 2024 | $104,590 | $0 |
| AETNA LIFE INSURANCE COMPANY | Health | 11 | Jan 1, 2025 | $41,425 | $0 |
| AETNA LIFE INSURANCE COMPANY | Health | 1 | Jan 1, 2025 | $12,515 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 311 | Jan 1, 2025 | $907 | $0 |
| METROPOLITAN LIFE INSURANCE COMPANY | Life | 12 | Jan 1, 2025 | $131 | $0 |
| HEADSPACE | — | 215,000 | Jan 1, 2025 | — | $0 |
Premium and claims on this contract
TRIPLE S SALUD, INC., contract SP0005363. For the contract year on this filing, the carrier reported $1,029,538 in premium earned and $424,012 in claims incurred. Dividing one by the other gives 41%.
- TRIPLE S SALUD, INC., contract SP0005363 reported $51,477 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.
Other plans filed by this employer
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Renewal calendar
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