| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARGARET TOLBERT INC3 | 1701 BASS RD STE 200 MACON, GA 31210 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $45K | $52K | 5.59% |
| PARTNERS BENEFIT GROUP LLC3 | 1476 CARPENTER RD S TIFTON, GA 31793 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | $966 | $13K | 13.22% |
| MARGARET TOLBERT INC3 | 1701 BASS RD, STE 200 MACON, GA 31210 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 22.49% |
| MARGARET TOLBERT INC3 Filed as: MARGARET S TOLBERT, INC. | 1701 BASS RD STE 200 MACON, GA 31210 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 16.50% |
| PARTNERS BENEFIT GROUP LLC3 Filed as: PARTNERS BENEFIT GROUP, LLC | 104 E 10TH STREET TIFTON, GA 31793 | TRANSAMERICA LIFE INSURANCE COMPANY | $139 | — | $139 | 1.19% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 323 | $948K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 323 | $937K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 323 | $937K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 173 | $114K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 173 | $99K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 173 | $99K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 148 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
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.