Form 5500 · Employee benefit plan · CARY, NC
CORNERSTONE BUILDING BRANDS, INC
The filing calls this plan CORNERSTONE BUILDING BRANDS, INC. COMPREHENSIVE HEALTH AND WELFARE PLAN.
Public Form 5500 records show how CORNERSTONE BUILDING BRANDS, INC of CARY, NC, a manufacturing employer, structures its employee benefits. Its broker of record is BSC AGENCY, LLC. Coverage is written through PRUDENTIAL INSURANCE COMPANY OF AMERICA and 8 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 76-0127701 · plan 520 · plan year 2025, filed Aug 18, 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
Self-funded as reported
The filing names a third-party administrator on Schedule A and reports no medical premium.
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
4 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
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 9 insured contracts covering dental, vision, life and disability; the largest, with PRUDENTIAL INSURANCE COMPANY OF AMERICA, covers 15,452 people.
The filing declares dental, vision, life, disability and health. Health appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 4 contracts here that do not say what they cover.
Reported premium across the insured contracts is $16,666,539, with $321,373 in disclosed broker commissions — about 1.9% 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.
BSC AGENCY, LLC is the broker of record on 3 of the 9 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| RELIASTAR LIFE INSURANCE COMPANY | — | 7,351 | Jan 1, 2026 | $2,622,578 | $262,258 |
| COMBINED INSURANCE COMPANY | Life | 539 | Jan 1, 2026 | $297,618 | $30,968 |
| ARAG INSURANCE COMPANY | — | 2,396 | Jan 1, 2026 | $280,177 | $28,018 |
| HARTFORD LIFE AND ACCIDENT | — | 15 | Apr 1, 2025 | $862 | $129 |
| PRUDENTIAL INSURANCE COMPANY OF AMERICA | Life, Disability | 15,452 | Jan 1, 2026 | $6,752,539 | $0 |
| DELTA DENTAL OF NORTH CAROLINA | Dental | 18,417 | Jan 1, 2026 | $5,546,855 | $0 |
| VISION SERVICE PLAN | Vision | 13,038 | Jan 1, 2026 | $972,835 | $0 |
| MAGELLAN HEALTHCARE | — | 16,687 | Jan 1, 2026 | $193,075 | $0 |
| FEDERAL INSURANCE COMPANY | Life | 16,415 | Jan 1, 2026 | — | $0 |
Premium and claims on this contract
DELTA DENTAL OF NORTH CAROLINA, contract 1475. For the contract year on this filing, the carrier reported $5,546,855 in premium earned and $5,176,311 in claims incurred. Dividing one by the other gives 93%.
- DELTA DENTAL OF NORTH CAROLINA, contract 1475 reported $496,998 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
How this plan compares
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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.
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