| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $69K | — | $69K | 4.31% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 9.11% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $369 | $369 | 0.34% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $5K | — | $5K | 11.53% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $204 | $204 | 0.44% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $3K | — | $3K | 11.52% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $125 | $125 | 0.42% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $3K | — | $3K | 11.38% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $97 | $97 | 0.37% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MARK MINCK4 | 18424 SW 15TH AVE NEWBERRY, FL 32669 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 12.70% |
| MFB FINANCIAL INC3 | DBA THE BAILEY GROUP 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 20.30% |
| JUSTIN THOMAS CLARK3 | 4907 NW 43RD ST STE A GAINESVILLE, FL 32606 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $819 | $33 | $852 | 12.28% |
| DIEGO ROBERTO RECINOS3 | 2220 SW 34TH ST GAINESVILLE, FL 32608 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $625 | $100 | $725 | 10.45% |
| JORDAN BLAKE BOSSERMAN3 | 3351 216TH ST LAKE CITY, FL 32024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $608 | $82 | $690 | 9.95% |
| CAPTURED MOMENTS BY KATE LLC3 | 8074 GATE PARKWAY WEST JACKSONVILLE, FL 32216 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $281 | $111 | $392 | 5.65% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH ANNE FELL | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $144 | $34 | $178 | 2.57% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $2 | $16 | 0.23% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.19% |
| BRIAN COHEN3 | 6804 N CAPITAL OF TEXAS HWY AUSTIN, TX 78731 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.07% |
| MICHELE E MARTIN3 | 5717 HEADQUARTERS DRIVE PLANO, TX 75024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DR THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.04% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 136 | $1.6M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 140 | $109K |
| Vision | HM LIFE INSURANCE COMPANY | 156 | $16K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 173 | $30K |
| Short-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 59 | $33K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 62 | $46K |
| Other | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 50 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.