| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEOPLES FIRST INSURANCE AND REALTY3 Filed as: PEOPLES FIRST INSURANCE & REALTY | P. O. BOX 66 ROCK HILL, SC 29731 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $49K | $0 | $49K | 4.37% |
| PEOPLES FIRST INSURANCE3 | P.O. BOX 66 ROCK HILL, SC 29731 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 12.90% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $51 | $51 | 0.05% |
| PEOPLES FIRST INSURANCE3 Filed as: PEOPLES FIRST INS & REALTY | PO BOX 66 ROCK HILL, SC 29730 | THE STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 10.00% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDING INC | 1381 OLD MILL CIRCLE #301 WINSTON SALEM, NC 27103 | THE STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 6.18% |
| PEOPLES FIRST INSURANCE3 | P.O. BOX 66 ROCK HILL, SC 29731 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 141 | $1.1M |
| Dental | THE STANDARD INSURANCE COMPANY | 143 | $64K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 252 | $17K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 147 | $113K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 147 | $113K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 147 | $113K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 141 | $1.1M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 147 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.