| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARGARET TOLBERT INC Filed as: MARGARET S TOLBERT INC | 6501 PEAKE ROAD BLDG 950 MACON, GA 31210 | COVENTRY HEALTH CARE OF GEORGIA | $8K | — | $8K | 3.22% |
| CENTERSTONE INSURANCE AND FINANCIAL Filed as: CENTERSTONE INSURANCE & FINANCIAL S | 4851 LBJ FREEWAY #1100 DALLAS, TX 75244 | COVENTRY HEALTH CARE OF GEORGIA | $5K | — | $5K | 2.05% |
| PARTNERS BENEFIT GROUP LLC | P.O. BOX 7770 TIFTON, GA 31793 | COVENTRY HEALTH CARE OF GEORGIA | $5K | — | $5K | 1.90% |
| MARGARET TOLBERT INC3 | 6501 PEAKE ROAD SUITE 950 MACON, GA 31210 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 5.52% |
| MARGARET TOLBERT INC | 6501 PEAKE ROAD BLDG 950 MACON, GA 31210 | COVENTRY HEALTH AND LIFE | $1K | — | $1K | 2.90% |
| PARTNERS BENEFIT GROUP LLC Filed as: PARTNERS BENEFIT GROUP, LLC | P.O. BOX 7770 TIFTON, GA 31793 | COVENTRY HEALTH AND LIFE | $1K | — | $1K | 2.10% |
| CENTERSTONE INSURANCE AND FINANCIAL | 4851 LBJ FREEWAY # 1100 DALLAS, TX 75244 | COVENTRY HEALTH AND LIFE | $1K | — | $1K | 2.00% |
| MARGARET TOLBERT INC3 | 6501 PEAKE ROAD SUITE 950 MACON, GA 31210 | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| MARGARET TOLBERT INC | 6501 PEAK ROAD SUITE 950 MACON, GA 31210 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.81% |
| MARGARET TOLBERT INC3 | 6501 PEAKE RD SUITE 950 MACON, GA 31210 | UNITED MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 161 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | COVENTRY HEALTH CARE OF GEORGIA | 205 | $387K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 144 | $19K |
| Long-term disability | UNITED MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 206 | $14K |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 144 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.