| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMA, INC.3 | 6 CONCOURSE PARKWAY NE, SUITE 3000 ATLANTA, GA 30328 | UNITEDHEALTHCARE INSURANCE COMPANY | $109K | $0 | $109K | 16.52% |
| THE BOTTOMS GROUP LLC3 Filed as: THE BOTTOMS GROUP, LLC | 180 CHEROKEE STREET NE MARIETTA, GA 30060 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | $0 | $23K | 3.48% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | GREATER GEORGIA LIFE INSURANCE COMPANY | $59K | $0 | $59K | 12.92% |
| UNKNOWN3 | UNKNOWN KENNESAW, GA 30152 | GREATER GEORGIA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 4.24% |
| IMA, INC.3 | 1705 17TH STREET, SUITE 100 DENVER, CO 80202 | GREATER GEORGIA LIFE INSURANCE COMPANY | $61K | $0 | $61K | 15.79% |
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 | 1,673 | 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) | 1,673 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $658K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $658K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $658K |
| Life insurance(2 contracts) | GREATER GEORGIA LIFE INSURANCE COMPANY | 1,673 | $846K |
| Short-term disability(2 contracts) | GREATER GEORGIA LIFE INSURANCE COMPANY | 1,673 | $846K |
| Long-term disability(2 contracts) | GREATER GEORGIA LIFE INSURANCE COMPANY | 1,673 | $846K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $658K |
| Other(2 contracts) | GREATER GEORGIA LIFE INSURANCE COMPANY | 1,673 | $846K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,673 | — |
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.