| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK F BAILEY3 | — | DELTA DENTAL OF KANSAS | $46K | $0 | $46K | 10.00% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST. AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 5.16% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST. AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 5.14% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST. AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 6.85% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $6K | $14K | 15.49% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE. STE 210 ST. AUGUSTINE, FL 32080 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.40% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL DBA BAILEY GROUP | 1200 PLANTATION ISLAND DRIVE S. SUITE 210 ST. AUGUSTINE, FL 32080 | EYEMED VISION CARE | $4K | $0 | $4K | 5.45% |
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST STREET SUITE 100 MIAMI, FL 33178 | EYEMED VISION CARE | $3K | $0 | $3K | 3.65% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $4K | $8K | 14.55% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST. AUGUSTINE, FL 32080 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.36% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $3K | $8K | 14.60% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST. AUGUSTINE, FL 32080 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 8.34% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST. AUGUSTINE, FL 32080 | NEW YORK LIFE GROUP BENEFITS SOLUTIONS | $1K | $0 | $1K | 5.92% |
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 | 788 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 29 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 824 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF KANSAS | 627 | $459K |
| Vision | EYEMED VISION CARE | 1,163 | $80K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 788 | $147K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 773 | $156K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 756 | $211K |
| Other(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 788 | $219K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,163 | — |
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.