| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC. | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $20K | — | $20K | 2.61% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICE | 333 S. GARLAND AVE STE 1600 ORLANDO, FL 32801 | BLUE CROSS BLUE SHIELD OF FLORIDA | $14K | — | $14K | 1.89% |
| MCGRIFF INSURANCE SERVICES INC3 | 900 S GAY ST. 4TH FL KNOXVILLE, TN 37902 | STANDARD INSURANCE COMPANY | $846 | $413 | $1K | 4.27% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST.AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $382 | — | $382 | 1.30% |
| MCGRIFF INSURANCE SERVICES INC3 | 900 S GAY ST. 4TH FL KNOXVILLE, TN 37902 | STANDARD INSURANCE COMPANY | $2K | $561 | $3K | 9.40% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR SUITE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.58% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PXC INC | PO BOX 732954 DALLAS, TX 75373 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 3.59% |
| MCGRIFF INSURANCE SERVICES INC3 | 900 S GAY ST. 4TH FL KNOXVILLE, TN 37902 | STANDARD INSURANCE COMPANY | $2K | $420 | $2K | 9.77% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST.AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.12% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PXC INC | PO BOX 732954 DALLAS, TX 75373 | STANDARD INSURANCE COMPANY | — | $890 | $890 | 4.00% |
| MCGRIFF INSURANCE SERVICES INC3 | 900 S GAY ST. 4TH FL KNOXVILLE, TN 37902 | STANDARD INSURANCE COMPANY | $821 | $214 | $1K | 9.46% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR SUITE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $820 | — | $820 | 7.50% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PXC INC | PO BOX 732954 DALLAS, TX 75373 | STANDARD INSURANCE COMPANY | — | $426 | $426 | 3.89% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 850 CONCOURSE PKWY S STE 200 MAITLAND, FL 32751 | USABLE LIFE | $1K | — | $1K | 15.51% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC. | 1200 PLANTATION ISLAND DR S STE 210 ST.AUGUSTINE, FL 32080 | USABLE LIFE | $907 | — | $907 | 10.49% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $60 | — | $60 | 0.69% |
| MCGRIFF INSURANCE SERVICES INC3 | 900 S GAY ST. 4TH FL KNOXVILLE, TN 37902 | STANDARD INSURANCE COMPANY | $195 | $220 | $415 | 5.43% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR SUITE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $95 | — | $95 | 1.24% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | 850 CONCOURSE PKWY S STE 200 MAITLAND, FL 32751 | USABLE LIFE | $1K | — | $1K | 34.48% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 ST.AUGUSTINE, FL 32080 | USABLE LIFE | $401 | — | $401 | 13.37% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $21 | — | $21 | 0.70% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S STE 210 ST.AUGUSTINE, FL 32080 | USABLE LIFE | $453 | — | $453 | 18.05% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC. | PO BOX 896620 CHARLOTTE, NC 28289 | USABLE LIFE | $285 | — | $285 | 11.35% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | USABLE LIFE | $17 | — | $17 | 0.68% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 89 | $758K |
| Dental | STANDARD INSURANCE COMPANY | 84 | $29K |
| Vision | STANDARD INSURANCE COMPANY | 78 | $8K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 121 | $31K |
| Short-term disability | STANDARD INSURANCE COMPANY | 118 | $28K |
| Long-term disability | STANDARD INSURANCE COMPANY | 26 | $11K |
| Other(3 contracts) | USABLE LIFE | 121 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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 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.