Dental practices in North Carolina
PlanOptica tracks 19 health and welfare plans sponsored by 14 dental practices in North Carolina, covering 14,549 participants and $14M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 374 participants, and the most common size is 100 to 249 participants (21% of plans). The funding mix is split: 37% of plans are self-funded or mixed and the rest are mainly fully insured.
Blue Cross Blue Shield of North Carolina leads by premium with a 49% share, followed by Unum Life Insurance Company of America at 22%. Usi Insurance Services LLC is the broker of record on 3 plans, more than any other firm, ahead of Lockton Companies, LLC (2). 74% of plans report broker compensation on Schedule A; the median brokered plan pays $48K a year, about 16.0% of premium. Morrisville, Garner and Cary have the most plans.
Funding mix
- Fully insured8 · 42%
- Self-funded4 · 21%
- Mixed3 · 16%
- MEWA3 · 16%
- Unknown1 · 5%
Plan size (participants)
- Under 1003 · 16%
- 100 to 2494 · 21%
- 250 to 4994 · 21%
- 500 to 9994 · 21%
- 1,000 or more4 · 21%
Median plan: 374 participants. Median broker comp: 16.0% of premium across 14 brokered plans.
Top carriers, dental, North Carolina
- 1Blue Cross Blue Shield of North Carolina$6.9M3 plans · 49.4%
- 2Unum Life Insurance Company of America$3.1M2 plans · 22.4%
- 3Metropolitan Life Insurance Company$1.7M4 plans · 12.3%
- 4Delta Dental of North Carolina$1.2M1 plans · 8.8%
- 5Cigna Health and Life Insurance Company$358K2 plans · 2.6%
- 6Vision Service Plan$249K1 plans · 1.8%
- 7Life Insurance Company of North America$229K1 plans · 1.6%
- 8Principal Life Insurance Company$91K1 plans · 0.7%
- 9Eyemed Vision Care$26K1 plans · 0.2%
- 10Standard Insurance Company$16K1 plans · 0.1%
Top brokers, dental, North Carolina
- 1Usi Insurance Services LLC3 plans$146K comp · 21.4%
- 2Lockton Companies, LLC2 plans$588K comp · 14.3%
- 3Marsh & McLennan Agency LLC2 plans$114K comp · 14.3%
- 4Hub International Ins Services2 plans$43K comp · 14.3%
- 5Gis Benefits, Inc2 plans$43K comp · 14.3%
- 6Ibenefit Communication, LLC1 plans$98K comp · 7.1%
- 7Daniel Odorizzi1 plans$53K comp · 7.1%
- 8Benechoice Enrollment Sol & Techno1 plans$25K comp · 7.1%
- 9Ebenconcepts Company1 plans$16K comp · 7.1%
- 10Insurance Office of America1 plans$16K comp · 7.1%
Largest dental practices in North Carolina
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Affordable Care, LLC Affordable Care, LLC Life and Disability PlanAll plans | Morrisville | MEWA | 3,613 | $3.1M | Unum Life Insurance Company of America |
| Riccobene and Associates Riccobene and Associates Group Employee Benefits PlanAll plans | Cary | Fully insured | 667 | $701K | Metropolitan Life Insurance Company |
| Lane Dental Opco, Inc Lane Dental Opco Group Health and Welfare PlanAll plans | Garner | Mixed | 645 | $336K | Metropolitan Life Insurance Company |
| Lane & Associates DDS PA Lane & Associates Group Health and Welfare PlanAll plans | Garner | Mixed | 605 | $302K | Metropolitan Life Insurance Company |
| Flagship Specialty Partners Flagship Specialty Partners Dba Carolinas Centers for Oral and Facial Surgery Welfare Benefit PlanAll plans | Charlotte | Fully insured | 518 | $4.9M | Blue Cross of California |
| Riccobene Central Services, Inc Riccobene Central Services, Incorporated Employee Benefits PlanAll plans | Cary | Fully insured | 386 | $377K | Metropolitan Life Insurance Company |
| Southeast Dental Partners, LLC Southeast Dental Partners, LLC Health Benefit PlanAll plans | Cornelius | Self-funded | 374 | - | - |
| Ryan, James, Wiles, Patel & Olsen LLP Ryan, James, Wiles, Patel & Olsen LLP Benefits PlanAll plans | Fayetteville | Fully insured | 265 | $1.2M | Blue Cross of California |
| David E Thome DDS PLLC 1 David E Thome DDS PLLC1 Dba NC Pediatric Dentistry Welfare Benefit PlanAll plans | Mooresville | Mixed | 186 | $93K | Principal Life Insurance Company |
| Absolute Dental Services, Inc Absolute Dental Services Long-Term Disability Benefits PlanAll plans | Durham | Fully insured | 163 | $16K | Standard Insurance Company |
| Key Dental Management Solutions, Inc Key Dental Management Solutions, Inc. Benefit PlanAll plans | Chapel Hill | Fully insured | 143 | $1.1M | Blue Cross of California |
| S. Ross Penland DMD, PA S. Ross Penland DMD, PA Employee Benefit PlanAll plans | Hickory | Self-funded | 51 | $132K | Cigna Health and Life Insurance Company |
| Heather M Gentry DMD PLLC Gentry DMD PLLC Cash Balance PlanAll plans | Charlotte | Self-funded | 0 | - | - |
| O'Brien and West DMD, PLLC 690929 O'Brien and West DMD PLLC 401(k)All plans | Morrisville | Unknown | 0 | - | - |
Showing 14 of 14 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in North Carolina
- Morrisville5 plans · 10,161 participants
- Garner2 plans · 1,250 participants
- Cary2 plans · 1,053 participants
- Cornelius2 plans · 652 participants
- Charlotte2 plans · 518 participants
- Durham2 plans · 270 participants
- Fayetteville1 plans · 265 participants
- Mooresville1 plans · 186 participants
- Chapel Hill1 plans · 143 participants
- Hickory1 plans · 51 participants
Frequently asked questions
How many dental practices in North Carolina offer an ERISA health plan?
19 health and welfare plans from 14 dental practices in North Carolina appear in plan year 2024 to 2025 filings on Form 5500, covering 14,549 participants. Plans with fewer than 100 participants that are fully insured do not have to file, so small practices are under-counted.
Which insurance carriers cover the most dental practices in North Carolina?
By Schedule A premium: Blue Cross Blue Shield of North Carolina (49% of premium, 3 plans), Unum Life Insurance Company of America (22% of premium, 2 plans) and Metropolitan Life Insurance Company (12% of premium, 4 plans).
Which benefits brokers work with dental practices in North Carolina?
By number of client plans: Usi Insurance Services LLC (3 plans), Lockton Companies, LLC (2 plans) and Marsh & McLennan Agency LLC (2 plans). 74% of plans report a broker.
How much do brokers earn on dental practices health plans in North Carolina?
The median brokered plan reports $48K a year in broker commissions and fees, or 16.0% of premium. Figures come from Schedule A, Part I.
Are dental practices health plans in North Carolina self-funded or fully insured?
Fully insured 42%, self-funded 21% and mixed 16%. Self-funded and mixed plans together make up 37%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Offices of dentists (NAICS 621210), plus healthcare employers whose name says dental, dentistry, orthodontics, periodontics, endodontics or oral surgery.
Prospect dental practices in North Carolina
Open the welfare search with North Carolina and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Dental in nearby states
Other healthcare specialties in North Carolina
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Offices of dentists (NAICS 621210), plus healthcare employers whose name says dental, dentistry, orthodontics, periodontics, endodontics or oral surgery. Location is the sponsor's filing address in North Carolina.