| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOTTOM LINE BENEFITS, LLC3 | 6060 LAKE ACWORTH DRIVE NW STE R ACWORTH, GA 30101 | AETNA HEALTH, INC. | $53K | — | $53K | 5.24% |
| BOTTOM LINE BENEFITS, LLC3 | 6060 LAKE ACWORTH DRIVE NW STE R ACWORTH, GA 30101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 11.65% |
| BOTTOM LINE BENEFITS, LLC3 | 6060 LAKE ACWORTH DRIVE NW STE R ACWORTH, GA 30101 | AFLAC | $1K | — | $1K | — |
| JEFFREY WINNINGHAM4 Filed as: JEFFREY M WINNINGHAM | 3134 HUNT RD ACWORTH, GA 30102 | AFLAC | $1K | $17 | $1K | — |
| ANDY B GLENN II4 | 2281 LAVA RIDGE CT STE 130 ROSEVILLE, CA 95661 | AFLAC | $249 | $3 | $252 | — |
| THOMAS D BAXTER4 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $212 | $3 | $215 | — |
| AUTHOR E THOMAS4 | 2255 LENOX RD NE APT D8 ATLANTA, GA 30324 | AFLAC | $128 | — | $128 | — |
| JOSEPH T DANIELS4 | 6060 LAKE ACWORTH DR NW SUITE R ACWORTH, GA 30101 | AFLAC | $99 | — | $99 | — |
| JUANITA A MOLTIMORE4 | 437 AUTUMN DRIVE RIVERDALE, GA 30274 | AFLAC | $86 | — | $86 | — |
| RICHARD SMITHSON4 Filed as: RICHARD A SMITHSON | 410 BAROQUE DR ALPHARETTA, GA 30009 | AFLAC | $52 | — | $52 | — |
| GORDON D COLWELL4 | 4 SHADOWBROOK DR SE ROME, GA 30161 | AFLAC | $44 | — | $44 | — |
| CHRISTOPHER JAMES CORROW4 | 2796 ASHLEIGH LN ALPHARETTA, GA 30004 | AFLAC | $43 | — | $43 | — |
| DOUGLAS A EUBANKS4 | 94 MISSION HILLS DR SW CARTERSVILLE, GA 30120 | AFLAC | $41 | — | $41 | — |
| RANDOPLH G SHAW4 | PO BOX 848 CARTERSVILLE, GA 30120 | AFLAC | $28 | — | $28 | — |
| JOE F HARRIS JR4 | PO OX 848 CARTERSVILLE, GA 30120 | AFLAC | $27 | — | $27 | — |
| MICHAEL D AISSEN4 | 920 HOLOCOMB BRIDGE RD STE 200 ROSWELL, GA 30076 | AFLAC | $27 | — | $27 | — |
| JEFFERY S TAYLOR4 | 820 WHITE OAK DR NEWNAN, GA 30265 | AFLAC | $24 | — | $24 | — |
| RICHARD SCOTT HAYES4 | 2040 PARKS MILL DR GREENSBORO, GA 30642 | AFLAC | $18 | — | $18 | — |
| SAMANTHA LYNN WINNINGHAM4 | 3134 HUNT RD ACWORTH, GA 30102 | AFLAC | $16 | — | $16 | — |
| GREGORY DALE4 Filed as: GREGORY SCOTT DALE | 660 MCWHORTER RD STEPHENS, GA 30667 | AFLAC | $16 | — | $16 | — |
| KENNETH SCOTT BONNEY4 | 14 APPLING WAY NE CARTERSVILLE, GA 30121 | AFLAC | $13 | — | $13 | — |
| LEE P COHEN4 | 16273 SW 9TH ST PEMBROKE PINES, FL 33027 | AFLAC | $12 | — | $12 | — |
| DEREK W STRANGE4 | 26 TROTTERS WALK NE CARTERSVILLE, GA 30121 | AFLAC | $12 | — | $12 | — |
| TRACY L REEVES4 | 16273 SW 9TH ST PEMBROKE PINES, FL 33027 | AFLAC | $12 | — | $12 | — |
| SCOTT A SMITH4 | 5300 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $11 | — | $11 | — |
| SJR INSURANCE LLC4 | 3732 UPLAND DR MARIETTA, GA 30066 | AFLAC | $8 | — | $8 | — |
| WENDELL S HANKINS4 | PO BOX 1298 CARTERSVILLE, GA 30120 | AFLAC | $7 | — | $7 | — |
| DAVID C CLOUD JR4 | 12 TRENT DR SEE ROME, GA 30161 | AFLAC | $7 | — | $7 | — |
| THOMAS ROBERT GIDDENS4 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $6 | — | $6 | — |
| MARCO A ERAZO4 | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $6 | — | $6 | — |
| RICHARD SMITHSON4 | 449 TIMBER PL MILTON, GA 30004 | AFLAC | $5 | — | $5 | — |
| KCI FINANCIAL SERV. INC4 | 16273 SW 9TH ST PEMBROKE PINES, FL 33027 | AFLAC | $5 | — | $5 | — |
| WILLIAM M WARDLAW JR4 | 5300 OAKBROOK PKWY STE 300 NORCROSS, GA 30093 | AFLAC | $4 | — | $4 | — |
| STEVEN VORDERLANDWEHR4 | 2100 BULLOCK BLUFF DR LOGANVILLE, GA 30052 | AFLAC | $3 | — | $3 | — |
| DEBORAH B SMITH4 | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $2 | — | $2 | — |
| DUSTIN ROBERT JOHNSON4 | 745 W BROMPTON AVE APT 1 CHICAGO, IL 60657 | AFLAC | $2 | — | $2 | — |
| JAMES D DUDLEY4 | 1355 LYNNFIELD ST STE 259 MEMPHIS, TN 38119 | AFLAC | $2 | — | $2 | — |
| MELYNDA RAY-MCCUTCHEON4 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $1 | — | $1 | — |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $1 | — | $1 | — |
| DAVID S MORRIS4 | 950 PENINSULA CORPORATE CIR STE1005 BOCA RATON, FL 33487 | AFLAC | $1 | — | $1 | — |
| LEE RYAN MCGRAW4 | 1170 MANN RD DOUGLASVILLE, GA 30134 | AFLAC | $1 | — | $1 | — |
| ALEXANDER B WARD4 | 5194 FOREST VIEW CT SE MABLETON, GA 30126 | AFLAC | $1 | — | $1 | — |
| ALLISON FARRIS WENDELBERGER4 | 207 SANTE FE DR WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | — |
| AMY A O SHIELDS4 | 5159 CALGARY DR DOUGLASVILLE, GA 30135 | AFLAC | $1 | — | $1 | — |
| JONATHAN W MCCUTCHEON4 | 1150 MALLARD LAKE DR BOGART, GA 30622 | AFLAC | $1 | — | $1 | — |
| SCOTTI MADISON4 | 3330 COBB PKWY NW STE 324-3 ACWORTH, GA 30101 | AFLAC | $1 | — | $1 | — |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 210 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $173K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $173K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $173K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $173K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 144 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.