| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST. AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $62K | — | $62K | 14.81% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $1K | $1K | 0.30% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 320803115 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 19.41% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $716 | $716 | 2.99% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $209 | — | $209 | 0.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 300 N BEACH ST DAYTONA BEACH, FL 321143304 | METROPOLITAN LIFE INSURANCE COMPANY | $105 | — | $105 | 0.44% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 320803115 | METROPOLITAN LIFE INSURANCE COMPANY | $969 | — | $969 | 21.32% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $145 | $145 | 3.19% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $44 | — | $44 | 0.97% |
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 | 370 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 266 | $29K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 391 | $417K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 391 | $417K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 391 | $417K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 391 | $417K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 391 | $417K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.