Form 5500 · Employee benefit plan · LEXINGTON, SC
FIRST COMMUNITY BANK
The filing calls this plan FIRST COMMUNITY BANK CAFETERIA PLAN.
FIRST COMMUNITY BANK of LEXINGTON, SC is a 252-participant finance and insurance employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is RSC INSURANCE BROKERAGE, INCORPORAT. Coverage is written through BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA and 4 other carriers. The plan's most recent policy period ended in January.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 57-1030051 · plan 505 · plan year 2025, filed Jun 15, 2026
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22 other employer plans in South Carolina have policy years ending in January. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 5 insured contracts covering health, dental, vision, life and disability; the largest, with BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA, covers 182 people.
Reported premium across the insured contracts is $2,487,579, with $137,663 in disclosed broker commissions — about 5.5% of premium.
The health contract's policy period ended in January, while at least one ancillary line's policy period ended in December. The plan is on a split renewal cycle.
RSC INSURANCE BROKERAGE, INCORPORAT is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
5 carriers appear on the filing, including BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA, AMERICAN UNITED LIFE INSURANCE COMPANY, COLONIAL LIFE & ACCIDENT INSURANCE COMPANY and COMMUNITY EYE CARE. BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | Health | 182 | Jan 2, 2026 | $2,132,396 | $74,860 |
| AMERICAN UNITED LIFE INSURANCE COMPANY | Life, Disability | 259 | Jan 1, 2026 | $299,458 | $44,919 |
| DELTA DENTAL OF MISSOURI | Dental | — | Jan 1, 2026 | — | $13,214 |
| COMMUNITY EYE CARE | Vision | 39 | Jan 1, 2026 | $26,201 | $2,620 |
| COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | — | 26 | Jan 1, 2026 | $29,524 | $2,050 |
Premium and claims on this contract
BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA, contract 25-34857. For the contract year on this filing, the carrier reported $2,132,396 in premium earned and $2,701,049 in claims incurred. Dividing one by the other gives 127%.
- BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA, contract 25-34857 reported $-568,652 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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Renewal calendar
22 other employer plans in South Carolina are February 1 renewals (policy year ends January).
Their policy years end in January, like this plan’s, so most renew February 1. The calendar lists every insured group by renewal date and state, with broker of record, carrier and disclosed commission. You can preview the five largest in each month for free.
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