Welfare broker

CITIZENS TRUST COMPANY

Mailing address (most recent filing)

114 MONTAGUE AVE.

GREENWOOD, SC 29648

Total comp: $18K
Commissions: $18K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where CITIZENS TRUST COMPANY places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA100.0%

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA	1	$224K	100.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
SC	1	$224K	0.1%	124.51x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of CITIZENS TRUST COMPANY's plans by broker comp / premium ratio. Median 13.03% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of CITIZENS TRUST COMPANY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where CITIZENS TRUST COMPANY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
GREENWOOD COMMUNITIES AND RESORTS, INC. GREENWOOD COMMUNITIES AND RESORTS, INC. EMPLOYEE BENEFIT PLAN	SC	$224K	$29K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA