| 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. | $47K | — | $47K | 5.25% |
| BOTTOM LINE BENEFITS, LLC3 | 6060 LAKE ACWORTH DRIVE NW STE R ACWORTH, GA 30101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $0 | $24K | 11.58% |
| BARDWELL BENEFITS LLC3 | 1445 AVERY RD CANTON, GA 30115 | AFLAC | $4K | $21 | $4K | 10.72% |
| BOTTOM LINE BENEFITS, LLC3 | 6060 LAKE ACWORTH DRIVE NW STE R ACWORTH, GA 30101 | AFLAC | $2K | — | $2K | 6.27% |
| AUSTIN J RICE4 | 205 PERSIMMON TRL WOODSTOCK, GA 30188 | AFLAC | $461 | $5 | $466 | 1.25% |
| JEFFREY WINNINGHAM4 Filed as: JEFFREY M WINNINGHAM | 3134 HUNT RD ACWORTH, GA 30102 | AFLAC | $345 | — | $345 | 0.92% |
| ARTHUR THOMAS4 Filed as: ARTHUR E THOMAS | 2255 LENOX RD NE APT D8 ATLANTA, GA 30324 | AFLAC | $90 | — | $90 | 0.24% |
| ANDY B GLENN II4 | 2999 DOUGLAS BLVD STE 180 ROSEVILLE, CA 95661 | AFLAC | $77 | — | $77 | 0.21% |
| JOSEPH T DANIELS4 Filed as: JOSEPH T DANIELS JR | 6060 LAKE ACWORTH DR NW SUITE R ACWORTH, GA 30101 | AFLAC | $73 | — | $73 | 0.20% |
| JUANITA A MOLTIMORE4 | 437 AUTUMN DRIVE RIVERDALE, GA 30274 | AFLAC | $52 | — | $52 | 0.14% |
| THOMAS D BAXTER4 | PO BOX 603 SUNNY SIDE, GA 30284 | AFLAC | $46 | — | $46 | 0.12% |
| RICHARD SMITHSON4 Filed as: RICHARD A SMITHSON | 2145 SAULS PL ALPHARETTA, GA 30004 | AFLAC | $33 | — | $33 | 0.09% |
| CHRISTOPHER JAMES CORROW4 | 2796 ASHLEIGH LN ALPHARETTA, GA 30004 | AFLAC | $29 | — | $29 | 0.08% |
| MICHAEL D AISSEN4 | 920 HOLCOMB BRIDGE RD STE 200 ROSWELL, GA 30076 | AFLAC | $19 | — | $19 | 0.05% |
| HAYES BOGEYFREE LLC4 | 2040 PARKS MILL DR GREENSBORO, GA 30642 | AFLAC | $18 | — | $18 | 0.05% |
| JEFFERY S TAYLOR4 | 820 WHITE OAK DR NEWNAN, GA 30265 | AFLAC | $16 | — | $16 | 0.04% |
| GREGORY DALE4 Filed as: GREGORY SCOTT DALE | 660 MCWHORTER RD STEPHENS, GA 30667 | AFLAC | $16 | — | $16 | 0.04% |
| SAMANTHA LYNN WINNINGHAM4 | 3134 HUNT RD ACWORTH, GA 30102 | AFLAC | $12 | — | $12 | 0.03% |
| TRACY L REEVES4 | 16273 SW 9TH ST PEMBROKE PINES, FL 33027 | AFLAC | $12 | — | $12 | 0.03% |
| LEE P COHEN4 | 16273 SW 9TH ST PEMBROKE PINES, FL 33027 | AFLAC | $12 | — | $12 | 0.03% |
| SCOTT A SMITH4 | 5300 OAKBROOK PKWY STE 300 STE 350 NORCROSS, GA 30093 | AFLAC | $11 | — | $11 | 0.03% |
| SJR INSURANCE LLC4 | 3732 UPLAND DR MARIETTA, GA 30066 | AFLAC | $8 | — | $8 | 0.02% |
| THOMAS ROBERT GIDDENS4 | PO BOX 2517 KENNESAW, GA 30156 | AFLAC | $6 | — | $6 | 0.02% |
| MARCO A ERAZO4 | 4160 SW 152ND AVE MIRAMAR, FL 33027 | AFLAC | $6 | — | $6 | 0.02% |
| KCI FINANCIAL SERV. INC4 | 16273 SW 9TH ST PEMBROKE PINES, FL 33027 | AFLAC | $5 | — | $5 | 0.01% |
| STEVEN VORDERLANDWEHR4 | 1018 HIGHGROVE DR MONROE, GA 30655 | AFLAC | $3 | — | $3 | 0.01% |
| JAMES D DUDLEY4 | 1355 LYNNFIELD ST STE 259 MEMPHIS, TN 38119 | AFLAC | $2 | — | $2 | 0.01% |
| DEBORAH B SMITH4 | 5703 BRYNWOOD CIR NW ACWORTH, GA 30101 | AFLAC | $1 | — | $1 | 0.00% |
| DUSTIN ROBERT JOHNSON4 | 745 W BROMPTON AVE APT 1 CHICAGO, IL 60657 | AFLAC | $1 | — | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: JAMES GRAYDON BROWN | 2522 OWENS LANDING TRL NW KENNESAW, GA 30152 | AFLAC | $1 | — | $1 | 0.00% |
| DAVID S MORRIS4 | 950 PENINSULA CORPORATE CIR STE1005 BOCA RATON, FL 33487 | AFLAC | $1 | — | $1 | 0.00% |
| LEE RYAN MCGRAW4 | 726 MEADOWBROOK RD CARROLLTON, GA 30117 | AFLAC | $1 | — | $1 | 0.00% |
| ALLISON FARRIS WENDELBERGER4 | 207 SANTE FE DR WALNUT CREEK, CA 94598 | AFLAC | $1 | — | $1 | 0.00% |
| BOTTOM LINE BENEFITS, LLC3 | 6060 LAKE ACWORTH DRIVE NW STE R ACWORTH, GA 30101 | AETNA HEALTH, INC. | $819 | $24 | $843 | 4.82% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 212 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 426 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA HEALTH, INC. | 6 | $17K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $208K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $208K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $245K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $208K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.