| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BOTTOMS GROUP LLC3 | 180 CHEROKEE STREET, SUITE 200 MARIETTA, GA 30060 | UNITEDHEALTHCARE INSURANCE COMPANY | $47K | $137K | $184K | 8.26% |
| THE BOTTOMS GROUP LLC3 | 180 CHEROKEE STREET, SUITE 200 MARIETTA, GA 30060 | STANDARD LIFE INSURANCE COMPANY | $58K | $10K | $68K | 23.57% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 600 AUSTIN, TX 78746 | STANDARD LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.79% |
| THE BOTTOMS GROUP LLC3 | 180 CHEROKEE STREET, SUITE 100 MARIETTA, GA 30060 | VISION SERVICE PLAN | $3K | $0 | $3K | 13.55% |
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 | 355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 578 | $2.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 578 | $2.2M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 578 | $2.2M |
| Life insurance | STANDARD LIFE INSURANCE COMPANY | 407 | $290K |
| Long-term disability | STANDARD LIFE INSURANCE COMPANY | 407 | $290K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 578 | $2.2M |
| Other | STANDARD LIFE INSURANCE COMPANY | 407 | $290K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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.
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.