| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $38K | $7K | $45K | 11.66% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLND 210 ST. AUGUSTINE, FL 32080 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 3.79% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S. CAPITAL OF TEXAS HIGHWAY BLDG 2, STE 125 AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 0.95% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 4.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S. CAPITAL OF TEXAS HIGHWAY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.13% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. SUITE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $97K | $8K | $105K | 66.79% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | STANDARD INSURANCE COMPANY | $8K | $3K | $11K | 6.85% |
| WORKDAY INC3 Filed as: WORKDAY INC. | PO BOX 886106 LOS ANGELES, CA 90088 | STANDARD INSURANCE COMPANY | — | $6K | $6K | 4.04% |
| MFP FINANCIAL INC3 Filed as: MFP FINANCIAL | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 4.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.08% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | — | — | $0 | 0.00% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. S. SUITE 210 ST. AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 23.62% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $505 | $505 | 0.74% |
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 | 599 | 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) | 599 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 640 | $8.9M |
| Dental | STANDARD INSURANCE COMPANY | 651 | $388K |
| Vision | STANDARD INSURANCE COMPANY | 549 | $69K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 384 | $217K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 615 | $140K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 384 | $174K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 651 | — |
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."
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.