| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOTTOM LINE BENEFITS, LLC3 Filed as: BOTTOM LINE BENEFITS LLC | 6060 LAKE ACWORTH DRIVE SUITE R ACWORTH, GA 30101 | BIND BENEFITS, INC. DBA SUREST | — | $84K | $84K | 5.26% |
| BOTTOM LINE BENEFITS, LLC3 Filed as: BOTTOM LINE BENEFITS INC | 6060 LAKE ACWORTH DRIVE NORTHWEST SUITE R ACWORTH, GA 30101 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 18.15% |
| BOTTOM LINE BENEFITS, LLC3 Filed as: BOTTOM LINE BENEFITS LLC | 6060 LAKE ACWORTH DRIVE NORTHWEST SUITE R ACWORTH, GA 30101 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 10.81% |
| THE CASON GROUP INC3 | 1612 MARION STREET COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 14.28% |
| BOTTOM LINE BENEFITS, LLC3 Filed as: BOTTOM LINE BENEFITS LLC | 6060 LAKE ACWORTH DRIVE NORTHWEST SUITE 4 ACWORTH, GA 30101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 14.27% |
| THE CASON GROUP INC3 | 1612 MARION STREET 4TH FLOOR COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 5.09% |
| BARDWELL BENEFITS LLC3 | 1445 AVERY ROAD CANTON, GA 30115 | AFLAC | $3K | $48 | $3K | 9.15% |
| STEVEN DAVID MONEY3 | 225 WING MILL ROAD ATLANTA, GA 30350 | AFLAC | $352 | — | $352 | 1.19% |
| ELENI A NIKOLAS3 | 312 ABBEY COURT CANTON, GA 30115 | AFLAC | $204 | — | $204 | 0.69% |
| AUSTIN J RICE3 | 205 PERSIMMON TRAIL WOODSTOCK, GA 30188 | AFLAC | $107 | $11 | $118 | 0.40% |
| JONATHAN ALI HAJIMOMEN3 Filed as: JONATHAN W LUCAS | 6250 BROWNS BRIDGE ROAD CUMMING, GA 30041 | AFLAC | $69 | — | $69 | 0.23% |
| JOSEPH BAILEY DUCKETT3 | 113 SILKY SULLIVAN WAY CANTON, GA 30115 | AFLAC | $67 | — | $67 | 0.23% |
| JOSHUA K HOPPE3 | 85076 MAJESTIC WALK CIRCLE FERNANDINA BEACH, FL 32034 | AFLAC | $12 | — | $12 | 0.04% |
| SCOTT A SMITH3 | 5300 OAKBROOK PARKWAY SUITE 300 SUITE 350 NORCROSS, GA 30093 | AFLAC | $2 | — | $2 | 0.01% |
| STEVEN VORDERLANDWEHR3 | 1018 HIGHGROVE DRIVE MONROE, GU 30655 | AFLAC | $1 | — | $1 | 0.00% |
| DUSTIN ROBERT JOHNSON3 | 745 WEST BROMPTON AVENUE APARTMENT 1 CHICAGO, IL 60657 | 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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BIND BENEFITS, INC. DBA SUREST | 225 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $90K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 251 | $90K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $134K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $134K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $134K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 194 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.