| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BOTTOMS GROUP LLC3 | 180 CHEROKEE STREET, SUITE 200 MARIETTA, GA 30060 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $85K | $0 | $85K | 4.56% |
| THE BOTTOMS GROUP LLC3 | 180 CHEROKEE STREET NE, SUITE 200 MARIETTA, GA 30060 | UNUM LIFE INSURANCE COMPANY | $28K | $4K | $32K | 17.00% |
| THE BOTTOMS GROUP LLC3 Filed as: BOTTOMS GROUP LLC | 180 CHEROKEE STREET NE, SUITE 200 MARIETTA, GA 30060 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $1K | $12K | 10.89% |
| THE BOTTOMS GROUP LLC3 Filed as: THE BOTTOMS GROUP | 180 CHEROKEE STREET MARIETTA, GA 30060 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $2K | $0 | $2K | 13.07% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 284 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 394 | $109K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 221 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 219 | $190K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 219 | $190K |
| Prescription drug | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 284 | $1.9M |
| Other | UNUM LIFE INSURANCE COMPANY | 219 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 394 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.