Physical and occupational therapy practices in North Carolina
PlanOptica tracks 7 health and welfare plans sponsored by 6 physical and occupational therapy practices in North Carolina, covering 2,530 participants and $3.1M in reported insurance premiums (plan year 2025 filings). The median plan has 130 participants, and the most common size is 500 to 999 participants (43% of plans). The funding mix is split: 57% of plans are self-funded or mixed and the rest are mainly fully insured.
Blue Cross and Blue Shield of North Carolina leads by premium with a 30% share, followed by Lincoln National Life Insurance Company at 25%. Usi Insurance Services LLC is the broker of record on 2 plans, more than any other firm, ahead of Mosaic Group Services LLC (2). 86% of plans report broker compensation on Schedule A; the median brokered plan pays $36K a year, about 11.1% of premium. Charlotte, Greenville and Raleigh have the most plans.
Funding mix
- Fully insured3 · 43%
- Mixed3 · 43%
- Self-funded1 · 14%
Plan size (participants)
- Under 1002 · 29%
- 100 to 2492 · 29%
- 250 to 4990 · 0%
- 500 to 9993 · 43%
- 1,000 or more0 · 0%
Median plan: 130 participants. Median broker comp: 11.1% of premium across 6 brokered plans.
Top carriers, physical therapy, North Carolina
- 1Blue Cross and Blue Shield of North Carolina$940K2 plans · 30.4%
- 2Lincoln National Life Insurance Company$768K2 plans · 24.8%
- 3Principal Life Insurance Company$623K2 plans · 20.1%
- 4Preferred Health Plan$345K1 plans · 11.1%
- 5Hartford Life and Accident$245K1 plans · 7.9%
- 6Eyemed Vision Care on Behalf of Fidelity Security Life Insurance Co$91K2 plans · 2.9%
- 7Reliance Standard Life Insurance Company$77K1 plans · 2.5%
- 8Metropolitan Life Insurance Company$8K1 plans · 0.2%
Top brokers, physical therapy, North Carolina
- 1Usi Insurance Services LLC2 plans$205K comp · 33.3%
- 2Mosaic Group Services LLC2 plans$14K comp · 33.3%
- 3Contemporary Benefits Advisors1 plans$48K comp · 16.7%
- 4Gallagher Benefit Services, Inc1 plans$42K comp · 16.7%
- 5David Steele1 plans$30K comp · 16.7%
- 6The Cason Group Inc1 plans$17K comp · 16.7%
- 7Steele Insurance1 plans$12K comp · 16.7%
- 8Forester Benefits Management, LLC1 plans$8K comp · 16.7%
- 9Totalis Consumer Benefit Solutions1 plans$666 comp · 16.7%
Largest physical and occupational therapy practices in North Carolina
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Legacy Healthcare Services, Inc Legacy Healthcare Services Employee Benefit PlanAll plans | Raleigh | Mixed | 871 | $797K | The Lincoln National Life Insurance Company |
| Kare Partners Billing & Operations, Inc Compleat Rehab & Sports Therapy Center Employee Welfare PlanAll plans | Gastonia | Fully insured | 707 | $812K | Principal Life Insurance Company |
| Mosaic Group LLC Mosaic Group LLC Dba Mosiac Pediatric Therapy Employee Welfare Benefit PlanAll plans | Charlotte | Mixed | 615 | $428K | Hartford Life and Accident |
| Kinetic Physical Therapy and Wellness, Inc Kinetic Physical Therapy & Wellness, Inc. Health PlanAll plans | Greenville | Fully insured | 130 | $783K | Blue Cross of California |
| Architech Sports and Physical Therapy, LLC Architech Sports and Physical Therapy, LLC 401(k) PlanAll plans | Charlotte | Self-funded | 107 | - | - |
| Therapeutic Alternatives, Inc Therapeutic Alternatives, Inc. Group Welfare PlanAll plans | Randleman | Mixed | 59 | $122K | Reliance Standard Life Insurance Company |
Showing 6 of 6 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in North Carolina
Frequently asked questions
How many physical and occupational therapy practices in North Carolina offer an ERISA health plan?
7 health and welfare plans from 6 physical and occupational therapy practices in North Carolina appear in plan year 2025 filings on Form 5500, covering 2,530 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 physical and occupational therapy practices in North Carolina?
By Schedule A premium: Blue Cross and Blue Shield of North Carolina (30% of premium, 2 plans), Lincoln National Life Insurance Company (25% of premium, 2 plans) and Principal Life Insurance Company (20% of premium, 2 plans).
Which benefits brokers work with physical and occupational therapy practices in North Carolina?
By number of client plans: Usi Insurance Services LLC (2 plans), Mosaic Group Services LLC (2 plans) and Contemporary Benefits Advisors (1 plan). 86% of plans report a broker.
How much do brokers earn on physical and occupational therapy practices health plans in North Carolina?
The median brokered plan reports $36K a year in broker commissions and fees, or 11.1% of premium. Figures come from Schedule A, Part I.
Are physical and occupational therapy practices health plans in North Carolina self-funded or fully insured?
Fully insured 43%, mixed 43% and self-funded 14%. Self-funded and mixed plans together make up 57%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Physical, occupational and speech therapists and audiologists (NAICS 621340), plus healthcare employers whose name says physical or occupational therapy.
Prospect physical and occupational therapy 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.
Physical therapy 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 2025). Physical, occupational and speech therapists and audiologists (NAICS 621340), plus healthcare employers whose name says physical or occupational therapy. Location is the sponsor's filing address in North Carolina.