| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAUL GOLDSTEIN3 | 432 PINEY GROVE RD GREENVILLE, SC 29607 | DELTA DENTAL OF NORTH CAROLINA | $5K | $0 | $5K | 5.82% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL AND INSURANCE | 88 VILLA RD GREENVILLE, SC 29615 | DELTA DENTAL OF NORTH CAROLINA | $4K | $0 | $4K | 3.88% |
| CAMBRIDGE FINANCIAL & INSURANCE GRO3 Filed as: CAMBRIDGE FINANCIAL & INSURANCE GRP | 88 VILLA RD GREENVILLE, SC 29615 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 7.89% |
| PAUL GOLDSTEIN3 | 1073 SLOAN ST SUITE B CLEMSON, SC 29631 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 7.11% |
| PAUL GOLDSTEIN3 | 432 PINEY GROVE RD GREENVILLE, SC 29607 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 7.83% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL & INSURANCE | 88 VILLA RD GREENVILLE, SC 29615 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 7.59% |
| STEVEN P MOORE3 | 500 BEAR DR GREENVILLE, SC 29605 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 7.40% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DR UNIT 203 DANIEL ISLAND, SC 29492 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $262 | $227 | $489 | 1.47% |
| PAUL GOLDSTEIN3 | 432 PINEY GROVE RD GREENVILLE, SC 296075836 | VISION SERVICE PLAN | $579 | $0 | $579 | 3.61% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE FINANCIAL & INSURANCE | 88 VILLA RD GREENVILLE, SC 296153052 | VISION SERVICE PLAN | $386 | $0 | $386 | 2.41% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 246 | $92K |
| Vision | VISION SERVICE PLAN | 92 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 178 | $92K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 178 | $92K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 178 | $92K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 178 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.