| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOTTOM LINE BENEFITS, LLC3 Filed as: BOTTOM LINE BENEFITS LLC | 6060 LAKE ACWORTH DRIVE NORTHWEST SUITE R ACWORTH, GA 30101 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $28K | $28K | 5.26% |
| BOTTOM LINE BENEFITS, LLC3 Filed as: BOTTOM LINE BENEFITS LLC | 6060 LAKE ACWORTH DRIVE NW SUITE R ACWORTH, GA 30101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 14.75% |
| THE CASON GROUP INC3 | 1612 MARION STREET COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $7K | $7K | 4.99% |
| THE CASON GROUP INC3 | 1612 MARION STREET FOURTH FLOOR COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 3.57% |
| THE CASON GROUP INC3 | 1612 MARION STREET SUITE 1 COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $261 | $261 | 0.20% |
| LANDMARK BENEFITS INC3 Filed as: LANDMARK INSURANCE LLC | 5400 LAUREL SPRINGS PARKWAY SUITE 1203 SUWANEE, GA 30024 | HUMANA INSURANCE COMPANY | $9K | — | $9K | 11.23% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 5420 LBJ FREEWAY SUITE 1275 DALLAS, TX 75240 | HUMANA INSURANCE COMPANY | — | $3K | $3K | 3.39% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 44 | $530K |
| Dental | HUMANA INSURANCE COMPANY | 87 | $84K |
| Vision | HUMANA INSURANCE COMPANY | 87 | $84K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $131K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $131K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $131K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 130 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.