| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N. HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $62K | $40K | $102K | 3.94% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC. | 1200 PLANTATION ISLAND DR. STE 210 ST. AUGUSTINE, FL 32080 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $6K | $33K | 12.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. DBA THE BAILEY G | 1200 PLANTATION ISLAND DRIVE STE 210 ST. AUGUSTINE, FL 32084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $4K | $22K | 12.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC. | 1200 PLANTATION ISLAND DR. STE 210 ST. AUGUSTINE, FL 32080 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $18K | 12.00% |
| MFB FINANCIAL INC D/B/A THE BAILEY3 | PO BOX 785700 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | — | $29K | 19.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.79% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC. | 1200 PLANTATION ISLAND DR. S. STE 210 ST. AUGUSTINE, FL 32080 | VISION SERVICE PLAN | $14K | — | $14K | 10.78% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | PO BOX 785700 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 18.49% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HIGHWAY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $512 | — | $512 | 0.56% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. S. STE 210 ST. AUGUSTINE, FL 32080 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 19.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC. | 1250 S. CAPITAL OF TEXAS HIGHWAY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $350 | — | $350 | 0.85% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. S. STE 210 ST. AUGUSTINE, FL 32080 | METROPOLITAN GENERAL INSURANCE COMPANY | $5K | — | $5K | 11.28% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE), INC | 1901 ROXBOROUGH RD. STE 315 CHARLOTTE, NC 28211 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $283 | $141 | $424 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD EIN 59-2015694 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $463K |
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $28K |
| INSPIRA FINANCIAL TRUST, LLC ADMINISTRATOR | Plan Administrator; Contract Administrator Service code 13 | 2001 SPRING RD STE 700 OAK BROOK, IL 60523 | $13K |
| HEALTH AND HUMAN RESOURCE CENTER, I PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $1K |
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 | 900 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 903 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 843 | $131K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 900 | $336K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,072 | $467K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 900 | $185K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 749 | $2.6M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 900 | $659K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,072 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.