| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARGARET TOLBERT INC3 Filed as: MARGARET S TOLBERT INC. | P.O. BOX 1102 MILLEDGEVILLE, GA 31059 | BLUE CROSS BLUE SHIELD HEALHCARE PLAN OF GEORGIA, INC. | $27K | — | $27K | 3.29% |
| THE MUTUAL FINANCIAL GROUP3 | 1347 GEORGIA AVE MACON, GA 31201 | BLUE CROSS BLUE SHIELD HEALHCARE PLAN OF GEORGIA, INC. | $2K | — | $2K | 0.26% |
| PARTNERS BENEFIT GROUP LLC3 | 1476 CARPENTER RD S TIFTON, GA 31793 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $3K | $11K | 13.33% |
| MARGARET TOLBERT INC3 Filed as: MARGARET S TOLBERT, INC. | 1701 BASS RD STE 200 MACON, GA 31210 | TRANSAMERICA LIFE INSURANCE COMPANY | $257 | — | $257 | 49.71% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP, LLC | 104 E 10TH STREET TIFTON, GA 31793 | TRANSAMERICA LIFE INSURANCE COMPANY | $11 | — | $11 | 2.13% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALHCARE PLAN OF GEORGIA, INC. | 114 | $816K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 252 | $86K |
| Vision | BLUE CROSS BLUE SHIELD HEALHCARE PLAN OF GEORGIA, INC. | 114 | $816K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD HEALHCARE PLAN OF GEORGIA, INC. | 252 | $902K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 252 | $86K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 252 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.