Form 5500 · Employee benefit plan · CHARLOTTE, NC
RIVERSTONE LOGISTICS, LLC
The filing calls this plan RIVERSTONE LOGISTICS, LLC HEALTH AND WELFARE BENEFITS PLAN.
RIVERSTONE LOGISTICS, 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 LOCKTON COMPANIES, LLC. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 1 other carrier. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 82-2982726 · plan 503 · plan year 2025, filed Jul 6, 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
Funding not settled by the filing
The filing does not report enough to settle how this plan pays for benefits.
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 5 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 475 people.
Reported premium across the insured contracts is $618,078, with $61,454 in disclosed broker commissions — about 9.9% 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.
LOCKTON COMPANIES, LLC is the broker of record on all 5 contracts.
Two carriers split the book: CIGNA HEALTH AND LIFE INSURANCE COMPANY and STANDARD INSURANCE COMPANY.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 475 | Jan 1, 2026 | $302,161 | $29,836 |
| STANDARD INSURANCE COMPANY | Health | 171 | Jan 1, 2026 | $66,454 | $12,514 |
| STANDARD INSURANCE COMPANY | Life | 741 | Jan 1, 2026 | $104,362 | $8,061 |
| STANDARD INSURANCE COMPANY | Disability | 148 | Jan 1, 2026 | $77,574 | $5,946 |
| STANDARD INSURANCE COMPANY | Disability | 163 | Jan 1, 2026 | $67,527 | $5,097 |
Premium and claims on these contracts
STANDARD INSURANCE COMPANY, contract 173264. For the contract year on this filing, the carrier reported $77,574 in premium earned and $26,835 in claims incurred. Dividing one by the other gives 35%.
STANDARD INSURANCE COMPANY, contract 173264. For the contract year on this filing, the carrier reported $67,527 in premium earned and $46,026 in claims incurred. Dividing one by the other gives 68%.
- STANDARD INSURANCE COMPANY, contract 173264 reported $50,738 in retention.
- STANDARD INSURANCE COMPANY, contract 173264 reported $43,619 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.
Reported to OSHA
Reported to OSHA for 2025: 483 employees, 5 recordable cases, 126 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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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