Form 5500 · Employee benefit plan · RALEIGH, NC
PROPHARMA GROUP, LLC
The filing calls this plan PROPHARMA GROUP WELFARE BENEFITS PLAN.
Public Form 5500 records show how PROPHARMA GROUP, LLC of RALEIGH, NC, a professional services employer, structures its employee benefits. Its broker of record is LOCKTON COMPANIES, LLC. Coverage is written through BLUE CROSS BLUE SHIELD OF KANSAS CITY and 5 other carriers. The plan's most recent policy period ended in February.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 46-4258733 · plan 501 · plan year 2025, filed Oct 9, 2025
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89 other employer plans in North Carolina have policy years ending in February. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
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 14 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF KANSAS CITY, covers 1,728 people.
Reported premium across the insured contracts is $17,067,446, with $169,156 in disclosed broker commissions — about 1% of premium.
The most recent policy period ended in February, and the plan year ends February 28. Group contracts typically renew on that annual cycle.
LOCKTON COMPANIES, LLC is the broker of record on 7 of the 14 contracts; the rest name a different broker or none.
6 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF KANSAS CITY, DELTA DENTAL OF KANSAS, INC., RELIANCE STANDARD LIFE INSURANCE COMPANY and VISION SERVICE PLAN. BLUE CROSS BLUE SHIELD OF KANSAS CITY writes the largest contract by premium.
Schedule A insurance contracts
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF KANSAS CITY, contract 29952000. For the contract year on this filing, the carrier reported $14,905,784 in premium earned and $12,258,297 in claims incurred. Dividing one by the other gives 82%.
- BLUE CROSS BLUE SHIELD OF KANSAS CITY, contract 29952000 reported $2,647,487 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
89 other employer plans in North Carolina are March 1 renewals (policy year ends February).
Their policy years end in February, like this plan’s, so most renew March 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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