| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 210 N. MARION AVENUE SUITE 321 LAKE CITY, FL 32055 | BLUE CROSS BLUE SHIELD OF FLORIDA | $32K | — | $32K | 2.02% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. DBA THE BAILEY G | 1200 PLANTATION ISLAND DR. ST. AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $16K | — | $16K | 0.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 210 N. MARION AVENUE SUITE 321 LAKE CITY, FL 32055 | HEALTH OPTIONS, INC. | $24K | — | $24K | 2.09% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. DBA THE BAILEY G | 1200 PLANTATION ISLAND DRIVE ST. AUGUSTINE, FL 32080 | HEALTH OPTIONS, INC. | $11K | — | $11K | 0.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVE 3RD FLOOR NEW YORK, NY 10177 | STANDARD INSURANCE COMPANY | $20K | $4K | $24K | 7.85% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR SUITE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 3.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.41% |
| US BENTEC WORKPLACE SOLUTIONS3 Filed as: US BENTEC WORKPLACE SOLUTIONS LLC | 700 WEST HILLSBORO BOULEVARD SUITE 2-102 DEERFIELD PEACH, FL 33441 | HARTFORD LIFE AND ACCIDENT | $22K | — | $22K | 7.65% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR SUITE 210 ST. AUGUSTINE, FL 32080 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 3.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | -$17K | $2K | -$15K | -5.27% |
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 | 690 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 691 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 157 | $2.8M |
| Dental | STANDARD INSURANCE COMPANY | 654 | $311K |
| Vision | STANDARD INSURANCE COMPANY | 654 | $311K |
| Life insurance | STANDARD INSURANCE COMPANY | 654 | $311K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 160 | $282K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 160 | $282K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 157 | $2.8M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 654 | $594K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 654 | — |
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."
No prospect flags tripped on this filing.