| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEOPLES FIRST INSURANCE AND REALTY3 | PO BOX 66 ROCK HILL, SC 29731 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $34K | $0 | $34K | 2.58% |
| USI INSURANCE SERVICES LLC | 8049 CORPORATE CENTER DRIVE CHARLOTTE, NC 28226 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $15K | $0 | $15K | 1.10% |
| PEOPLES FIRST INSURANCE AND REALTY3 | PO BOX 66 ROCK HILL, SC 29731 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $34K | $0 | $34K | 19.86% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 8.60% |
| USI INSURANCE SERVICES LLC3 | PO BOX 3716 NORFOLK, VA 23514 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $213 | $213 | 0.12% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $66 | $66 | 0.04% |
| PEOPLES FIRST INSURANCE AND REALTY3 | PO BOX 66 ROCK HILL, SC 29731 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 9.10% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDING INC. | 1381 OLD MILL CIRCLE, SUITE 301 WINSTON SALEM, NC 27103 | STANDARD INSURANCE COMPANY | $4K | $75 | $4K | 4.64% |
| USI INSURANCE SERVICES LLC3 | 6400 FAIRVIEW ROAD CHARLOTTE, NC 28210 | COMMUNITY EYE CARE | $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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 166 | $1.3M |
| Dental | STANDARD INSURANCE COMPANY | 188 | $85K |
| Vision | COMMUNITY EYE CARE | 331 | $19K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 199 | $172K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 199 | $172K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 199 | $172K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 166 | $1.3M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 199 | $172K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.