| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TBG BENEFITS LLC3 | 180 CHEROKEE STREET NE MARIETTA, GA 30060 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $220K | $0 | $220K | 6.48% |
| TBG BENEFITS LLC3 | 180 CHEROKEE STREET MARIETTA, GA 30060 | STANDARD INSURANCE COMPANY | $67K | $0 | $67K | 12.39% |
| THE BOTTOMS GROUP LLC3 | 180 CHEROKEE STREET, SUITE 200 MARIETTA, GA 30060 | STANDARD INSURANCE COMPANY | $0 | $15K | $15K | 2.79% |
| THE BOTTOMS GROUP LLC3 | 180 CHEROKEE STREET, SUITE 100 MARIETTA, GA 30060 | STANDARD INSURANCE COMPANY | $0 | $4K | $4K | 0.69% |
| TBG BENEFITS LLC3 | 180 CHEROKEE STREET NE MARIETTA, GA 30060 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $0 | $9K | 15.26% |
| THE BOTTOMS GROUP LLC3 | 180 CHEROKEE STREET, SUITE 100 MARIETTA, GA 30060 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 13.79% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HIGHWAY S BUILDING 2, SUITE 125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $196 | $196 | 0.33% |
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 | 554 | 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) | 554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | 669 | $3.4M |
| Dental | STANDARD INSURANCE COMPANY | 555 | $544K |
| Vision | STANDARD INSURANCE COMPANY | 555 | $544K |
| Life insurance | STANDARD INSURANCE COMPANY | 555 | $544K |
| Short-term disability | STANDARD INSURANCE COMPANY | 555 | $544K |
| Long-term disability | STANDARD INSURANCE COMPANY | 555 | $544K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | 669 | $3.4M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 555 | $603K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 669 | — |
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."
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.