| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BOTTOMS GROUP LLC3 Filed as: THE BOTTOMS GROUP, LLC | 180 CHEROKEE STREET, SUITE 200 MARIETTA, GA 30060 | AETNA LIFE INSURANCE COMPANY | $137K | $0 | $137K | 15.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF GA, INC. EIN 58-0469845 PROVIDER | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Other services; Float revenue Service code 12 | — | $182K |
| PARAGON BENEFITS EIN 58-1741732 CLAIMS PROCESSING | Claims processing Service code 12 | — | $142K |
| BOTTOMS CONSULTING, INC. EIN 26-1240184 CONSULTING | Consulting (general) Service code 16 | — | $97K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 CLAIMS PROCESSING | Claims processing Service code 12 | — | $17K |
| THE BOTTOMS GROUP EIN 20-8828164 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $6K |
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 | 840 | 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) | 840 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 1,281 | $874K |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,281 | $874K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 1,281 | $874K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 1,281 | $874K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | STOP LOSS INSURANCE SERVICES | 840 | $453K |
| Other | AETNA LIFE INSURANCE COMPANY | 1,281 | $874K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,281 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.