| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BOTTOMS GROUP LLC3 Filed as: THE BOTTOMS GROUP, LLC | 180 CHEROKEE STREET NE MARIETTA, GA 30060 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $24K | $29K | 6.52% |
| THE BOTTOMS GROUP LLC3 Filed as: THE BOTTOMS GROUP, LLC | 180 CHEROKEE STREET NE, SUITE 100 MARIETTA, GA 30060 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $615 | $4K | 17.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $307 | $307 | 1.44% |
| THE BOTTOMS GROUP LLC3 Filed as: THE BOTTOMS GROUP, LLC | 180 CHEROKEE STREET NE, SUITE 100 MARIETTA, GA 30060 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $438 | $3K | 17.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $219 | $219 | 1.45% |
| THE BOTTOMS GROUP LLC3 Filed as: THE BOTTOMS GROUP, LLC | 180 CHEROKEE STREET NE, SUITE 100 MARIETTA, GA 30060 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $417 | $3K | 17.81% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $209 | $209 | 1.41% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 111 | $450K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 111 | $450K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 111 | $450K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $15K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 122 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $15K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 111 | $450K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.