Form 5500 · Employee benefit plan · CHARLOTTE, NC
NG OPERATIONS, LLC
The filing calls this plan NATIONAL GYPSUM EMPLOYEES' GROUP PLAN.
NG OPERATIONS, LLC 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 LENEE GOYETTE. Coverage is written through THE LINCOLN NATIONAL LIFE INSURANCE COMPANY and 9 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 85-3196048 · plan 501 · plan year 2025, filed Aug 20, 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
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 8 insured health contracts, with BLUE CARE NETWORK OF MICHIGAN, covers 220 of 3,816 participants (5.8%) on Schedule A.
Dental: the largest of the 2 insured dental contracts, with BLUE CARE NETWORK OF MICHIGAN, covers 220 of 3,816 participants (5.8%) on Schedule A.
Vision: BLUE CARE NETWORK OF MICHIGAN covers 220 of 3,816 participants (5.8%) on Schedule A.
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 12 insured contracts covering health, dental, vision, life and disability; the largest, with THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, covers 3,882 people.
Reported premium across the insured contracts is $9,966,254, with $79,715 in disclosed broker commissions — about 0.8% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in February. The plan is on a split renewal cycle.
LENEE GOYETTE is the broker of record on 2 of the 12 contracts; the rest name a different broker or none.
10 carriers appear on the filing, including THE LINCOLN NATIONAL LIFE INSURANCE COMPANY, BLUE CARE NETWORK OF MICHIGAN, COMMUNITYCARE HMO and BLUE CROSS AND BLUE SHIELD OF ALABAMA. THE LINCOLN NATIONAL LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CARE NETWORK OF MICHIGAN | Health, Dental, Vision | 220 | Jan 1, 2026 | $1,452,701 | $38,654 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 105 | Jan 1, 2026 | $952,429 | $29,240 |
| KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | Health | 25 | Jan 1, 2026 | $201,768 | $4,811 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 0 | Jan 1, 2026 | $254,145 | $4,081 |
| HARTFORD FIRE INSURANCE COMPANY | — | 2,780 | Mar 1, 2025 | $9,661 | $2,898 |
| BLUE CROSS BLUE SHIELD OF MICHIGAN | Health, Dental | 2 | Jul 1, 2025 | $394 | $31 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 3,882 | Jan 1, 2026 | $2,763,643 | $0 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 2,707 | Jan 1, 2026 | $1,440,799 | $0 |
| COMMUNITYCARE HMO | Health | 210 | Jan 1, 2026 | $1,238,479 | $0 |
| BLUE CROSS AND BLUE SHIELD OF ALABAMA | Health | 134 | Jan 1, 2026 | $1,056,340 | $0 |
| GEISINGER HEALTH PLAN | Health | 50 | Jan 1, 2026 | $593,740 | $0 |
| HEALTH AND HUMAN RESOURCE CENTER | — | 124 | Jan 1, 2026 | $2,155 | $0 |
Premium and claims on these contracts
BLUE CARE NETWORK OF MICHIGAN, contract 173699. For the contract year on this filing, the carrier reported $1,452,701 in premium earned and $1,047,552 in claims incurred. Dividing one by the other gives 72%.
BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 0081345. For the contract year on this filing, the carrier reported $1,056,340 in premium earned and $673,990 in claims incurred. Dividing one by the other gives 64%.
- BLUE CARE NETWORK OF MICHIGAN, contract 173699 reported $418,930 in retention.
- BLUE CROSS AND BLUE SHIELD OF ALABAMA, contract 0081345 reported $115,563 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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