Welfare broker

PEOPLES FIRST INS SERVICES LLC

Mailing address (most recent filing)

1002 WEST 23RD STREET

SUITE 130

PANAMA CITY, FL 32405

Total comp: $143K
Commissions: $143K
Fees: $0
Filings: 1
Sponsors: 1

Carrier mix

Where PEOPLES FIRST INS SERVICES LLC 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	$910K	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
FL	1	$910K	0.0%	25.39x

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 PEOPLES FIRST INS SERVICES LLC's plans by broker comp / premium ratio. Median 15.67% vs welfare-wide median 6.29% (n=1).

Prospect-flag exposure · vs market baseline

Share of PEOPLES FIRST INS SERVICES LLC's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-1 of 1 sponsor where PEOPLES FIRST INS SERVICES LLC is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
PEOPLES FIRST PROPERTIES, INC. PEOPLES FIRST PROPERTIES, INC. EMPLOYEE BENEFITS PLAN	FL	$910K	$143K	THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

Carrier

Plans

Premium

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA

$910K

100.0%

State

Plans

Premium

State share

Index

$910K

0.0%

25.39x

Sponsor

Loc

Premium

Comp

Carrier

PEOPLES FIRST PROPERTIES, INC.

PEOPLES FIRST PROPERTIES, INC. EMPLOYEE BENEFITS PLAN

$910K

$143K

THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA