| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BOTTOMS GROUP LLC3 | 180 CHEROKEE STREET SUITE 200 MARIETTA, GA 30060 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $155K | $0 | $155K | 6.26% |
| THE BOTTOMS GROUP LLC3 | 180 CHEROKEE STREET NE SUITE 200 MARIETTA, GA 30060 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $69K | $3K | $72K | 15.77% |
| THE BOTTOMS GROUP LLC3 Filed as: THE BOTTOMS GROUP | 180 CHEROKEE STREET NE SUITE 200 MARIETTA, GA 30060 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | $0 | $28K | 13.54% |
| THE BOTTOM GROUP3 | 180 CHEROKEE STREET MARIETTA, GA 30060 | EYEMED VISION CARE | $4K | $0 | $4K | 15.45% |
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 | 452 | 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) | 452 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 653 | $2.7M |
| Dental | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $459K |
| Vision | EYEMED VISION CARE | 461 | $27K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $459K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $459K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $459K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | 653 | $2.7M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $459K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 653 | — |
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.