| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOTTOM LINE BENEFITS, LLC3 Filed as: BOTTOM LINE BENEFITS INC | 6060 LAKE ACWORTH DRIVE NORTHWEST SUITE R ACWORTH, GA 30101 | AETNA LIFE INSURANCE CO. | $29K | — | $29K | 1.92% |
| BARDWELL BENEFITS LLC3 | 1445 AVERY ROAD CANTON, GA 30115 | AFLAC | $7K | $547 | $7K | 14.20% |
| ELENI A NIKOLAS3 | 50 HURT PLAZA SOUTHEAST SUITE 1630 THE HURT BUILDING ATLANTA, GA 30303 | AFLAC | $513 | $109 | $622 | 1.20% |
| STEVEN DAVID MONEY3 | 225 WING MILL ROAD ATLANTA, GA 30350 | AFLAC | $514 | — | $514 | 0.99% |
| STEVEN DAVID MONEY3 | 374 EAST PACES FERRY ROAD NORTHEAST APARTMENT 617 ATLANTA, GA 30305 | AFLAC | $273 | $109 | $382 | 0.73% |
| JOSEPH BAILEY DUCKETT3 | 1000 PARKWOOD CIRCLE SOUTHEAST SUITE 900 ATLANTA, GA 30339 | AFLAC | $247 | — | $247 | 0.48% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN W LUCAS | 6250 BROWNS BRIDGE ROAD CUMMING, GA 30041 | AFLAC | $117 | — | $117 | 0.23% |
| CANDACE H SAMS3 | 205 CHEROKEE DRIVE WALESKA, GA 30183 | AFLAC | $74 | — | $74 | 0.14% |
| ROGER HUGH JONES3 | 2204 COMMERCE STREET ALPHARETTA, GA 30009 | AFLAC | $25 | — | $25 | 0.05% |
| CHRISTOPHER JAMES CORROW3 | 2796 ASHLEIGH LANE ALPHARETTA, GA 30004 | AFLAC | $24 | — | $24 | 0.05% |
| NORMA B GROSSWALD3 | 5360 SCENIC VALLEY DRIVE CUMMING, GA 30040 | AFLAC | $23 | — | $23 | 0.04% |
| DONALD P KREDENSOR3 | 1112 RIVER WALK DRIVE SIMPSONVILLE, SC 29681 | AFLAC | $22 | — | $22 | 0.04% |
| JOSEPH BAILEY DUCKETT3 | 119 NORTHBROOKE TERRACE WOODSTOCK, GA 30188 | AFLAC | $20 | — | $20 | 0.04% |
| RICHARD SMITHSON3 Filed as: RICHARD A SMITHSON | 449 TIMBER PLACE MILTON, GA 30004 | AFLAC | $20 | — | $20 | 0.04% |
| JOSHUA K HOPPE3 | 85076 MAJESTIC WALK CIRCLE FERNANDINA BEACH, FL 32034 | AFLAC | $12 | — | $12 | 0.02% |
| CANDACE H SAMS3 | 322 NORTHWEST DRIVE DAVIDSON, NC 28036 | AFLAC | $7 | — | $7 | 0.01% |
| RICHARD SMITHSON3 | 449 TIMBER PLACE MILTON, GA 30004 | AFLAC | $5 | — | $5 | 0.01% |
| JOHN D TYLER3 | 2131 KILEY WAY EDMOND, OK 73034 | AFLAC | $3 | — | $3 | 0.01% |
| DAYTON LLC3 | 324 OLD WOOD DRIVE COLUMBIA, SC 29212 | AFLAC | $2 | — | $2 | 0.00% |
| SCOTT A SMITH3 | 5300 OAKBROOK PARKWAY SUITE 300 NORCROSS, GA 30093 | AFLAC | $2 | — | $2 | 0.00% |
| STEVEN VORDERLANDWEHR3 | 1599 AMHEARST MILL DRIVE LAWRENCEVILLE, GA 30043 | AFLAC | $1 | — | $1 | 0.00% |
| WENDY M RANKIN3 | 114 BROAD STREET APARTMENT 201 ROME, GA 30161 | AFLAC | $1 | — | $1 | 0.00% |
| DUSTIN ROBERT JOHNSON3 | 50 HURT PLAZA SOUTHEAST SUITE 995 SUITE 1630 ATLANTA, GA 30303 | AFLAC | $1 | — | $1 | 0.00% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 272 | $1.5M |
| Dental | AETNA LIFE INSURANCE CO. | 272 | $1.5M |
| Vision | AETNA LIFE INSURANCE CO. | 272 | $1.5M |
| Life insurance | AETNA LIFE INSURANCE CO. | 272 | $1.5M |
| Short-term disability | AETNA LIFE INSURANCE CO. | 272 | $1.5M |
| Long-term disability | AETNA LIFE INSURANCE CO. | 272 | $1.5M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 272 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
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.