| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE S SUITE 210 ST AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $0 | — | $0 | 0.00% |
| LINDSEY CRAWFORD3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $287 | — | $287 | 0.12% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DRIVE S SUITE 210 ST AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE | $0 | $0 | $0 | 0.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S SUITE 210 ST AUGUSTINE, FL 32080 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: TOWERS WATSON DELAWARE INC | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | $295 | $92 | $387 | 0.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | PO BOX 28852 NEW YORK, NY 10087 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $429 | $429 | 0.88% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 SAINT AUGUSTINE, FL 32080 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH, PA | — | $2K | $2K | 15.00% |
| STEFAN L WEILL3 | 555 FIFTH AVE 14TH FL NEW YORK, NY 10017 | STANDARD INSURANCE COMPANY | $48 | — | $48 | 1.77% |
| GENERAL AGENT CENTER INC3 | 3 EARLES WAY SCARBOROUGH, ME 04074 | STANDARD INSURANCE COMPANY | $34 | — | $34 | 1.26% |
| STEFAN L WEILL3 | 555 5TH AVE FL 14 NEW YORK, NY 10017 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $22 | — | $22 | 2.03% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DRIVE S SUITE 210 ST AUGUSTINE, FL 32080 | NATIONAL UNION FIRE INS. CO OF PITTSBURG, PA | $0 | $0 | $0 | — |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 170 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 223 | $2.8M |
| Dental | FLORIDA COMBINED LIFE | 238 | $241K |
| Vision | BLUE CROSS BLUE SHIELD OF FLORIDA | 223 | $2.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 541 | $129K |
| Long-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 140 | $52K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 223 | $2.8M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 541 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.