| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 6100 FAIRVIEW ROAD, SUITE 1400 CHARLOTTE, NC 28226 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $46K | $0 | $46K | 2.28% |
| PEOPLES FIRST INSURANCE AND REALTY3 Filed as: PEOPLES FIRST INSURANCE AND REAL | PO BOX 66 ROCK HILL, SC 29731 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $25K | $0 | $25K | 1.23% |
| USI INSURANCE SERVICES LLC3 | 4605 COLUMBUS STREET VIRGINIA BEACH, VA 23462 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 8.30% |
| PEOPLES FIRST INSURANCE3 | PO BOX 66 ROCK HILL, SC 29731 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 4.47% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 1.83% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $43 | $43 | 0.02% |
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 7.16% |
| PEOPLE FIRST INSURANCE3 | UNKNOWN ROCK HILL, SC 29730 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 3.85% |
| ENROLLEASE3 Filed as: ONE DIGITAL PREMIER SERVICES | UNKNOWN ATLANTA, GA 30339 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 3.59% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS, INC. | UNKNOWN WINSTON-SALEM, NC 27114 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 1.91% |
| PEOPLES FIRST INSURANCE3 | PO BOX 66 ROCK HILL, SC 29731 | 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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 202 | $2.0M |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 187 | $73K |
| Vision | COMMUNITY EYE CARE | 276 | $19K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 212 | $222K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 212 | $222K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 212 | $222K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 202 | $2.0M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 212 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.