| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $25K | $25K | 4.42% |
| UMR, INC.3 | 115 W WAUSAU AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 0.53% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $35K | $0 | $35K | 19.76% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL TBD THE BAILEY GROUP | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $25K | $0 | $25K | 18.71% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $25K | $0 | $25K | 18.78% |
| BOSTON THOMAS W3 | AND VARIOUS OTHER BROKERS 139 MARKET AVE NE HARTVILLE, OH 44632 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $14K | $419 | $14K | 21.49% |
| BAYSIDE BFT SOLUTIONS LLC3 | 209 FOREST BREEZE AVE BRANDON, FL 33511 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $208 | $0 | $208 | 0.31% |
| AI GROUP3 Filed as: AI INSURANCE LLC | 2020 W BRANDON BLVD STE 115 BRANDON, FL 33511 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $78 | — | $78 | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.32% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK ST SUITE 207 MOUNT PLEASANT, SC 29466 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.00% |
| HYLANT GROUP INC3 | 1505 JEFFERSON AVE TOLEDO, OH 43604 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.43% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.94% |
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2 | $0 | $2 | 12.50% |
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 | 476 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 649 | $51K |
| Life insurance | STANDARD INSURANCE COMPANY | 476 | $175K |
| Short-term disability | STANDARD INSURANCE COMPANY | 473 | $132K |
| Long-term disability | STANDARD INSURANCE COMPANY | 476 | $135K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 465 | $559K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 205 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 649 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.