| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEINBERG & ASSOCIATES, INC.3 | 340 S. PINE ST. SPARTANBURG, SC 29302 | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | $25K | — | $25K | 2.78% |
| STEINBERG & ASSOCIATES, INC.3 | 340 S. PINE ST. SPARTANBURG, SC 29302 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.00% |
| IBSI HOLDINGS INC3 Filed as: IBSI HOLDINGS, INC | 3330 HEALY DR STE 100 WINSTON-SALEM, NC 27114 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.00% |
| STEINBERG & ASSOCIATES, INC.3 | 340 S. PINE ST. SPARTANBURG, SC 29302 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 18.01% |
| STEINBERG & ASSOCIATES, INC.3 | 340 S. PINE ST. SPARTANBURG, SC 29302 | EYEMED VISION CARE-FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 102 | $881K |
| Dental(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 124 | $97K |
| Vision | EYEMED VISION CARE-FIDELITY SECURITY LIFE INSURANCE COMPANY | 175 | $11K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $44K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $44K |
| Prescription drug | BLUECROSS BLUESHIELD OF SOUTH CAROLINA | 102 | $881K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 124 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.