Form 5500 · Employee benefit plan · RALEIGH, NC
NORTH CAROLINA RATE BUREAU
The filing calls this plan NCRB/NCRF/NCIGA HEALTH BENEFITS PLAN.
NORTH CAROLINA RATE BUREAU of RALEIGH, NC spreads its employee benefits across 6 insurance carriers, according to its Form 5500 Schedule A. Its broker of record is LG INS MANAGEMENT SVCS LP. Coverage is written through LIBERTY INSURANCE UNDERWRITERS INC. and 5 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 56-1179542 · plan 501 · plan year 2025, filed Jun 10, 2026
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How this plan is funded
Both, as reported
The filing reports both insurance premium and benefits paid from the plan's own money, and the two amounts do not line up.
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: 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 10 insured contracts covering health, dental, vision, life and disability; the largest, with LIBERTY INSURANCE UNDERWRITERS INC., covers 53 people.
Reported premium across the insured contracts is $1,228,805, with $61,464 in disclosed broker commissions — about 5% 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.
LG INS MANAGEMENT SVCS LP is the broker of record on 4 of the 10 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including LIBERTY INSURANCE UNDERWRITERS INC., HARTFORD LIFE AND ACCIDENT, EXPRESS SCRIPTS, INC. and DELTA DENTAL OF NORTH CAROLINA. LIBERTY INSURANCE UNDERWRITERS INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 105 | Jan 1, 2026 | $87,386 | $17,477 |
| DELTA DENTAL OF NORTH CAROLINA | Dental | 204 | Jan 1, 2026 | $111,138 | $10,064 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 105 | Jan 1, 2026 | $42,781 | $8,556 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 51 | Jan 1, 2026 | $42,553 | $8,511 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 105 | Jan 1, 2026 | $33,220 | $6,644 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 51 | Jan 1, 2026 | $22,960 | $4,592 |
| EXPRESS SCRIPTS, INC. | Health | 53 | Jan 1, 2026 | $205,191 | $4,480 |
| VISION SERVICE PLAN | Vision | 99 | Jan 1, 2026 | $21,131 | $1,140 |
| LIBERTY INSURANCE UNDERWRITERS INC. | — | 53 | Jan 1, 2026 | $426,879 | $0 |
| HARTFORD LIFE AND ACCIDENT | — | 50 | Jan 1, 2026 | $235,566 | $0 |
Premium and claims on this contract
DELTA DENTAL OF NORTH CAROLINA, contract 536. For the contract year on this filing, the carrier reported $111,138 in premium earned and $85,495 in claims incurred. Dividing one by the other gives 77%.
- DELTA DENTAL OF NORTH CAROLINA, contract 536 reported $24,783 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.
Money the plan held and paid out
Sourced from U.S. DOL EFAST2 Form 5500 · Schedule I
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
How this plan compares
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