| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK F BAILEY3 | — | DELTA DENTAL OF KANSAS, INC. | $27K | $0 | $27K | 11.13% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $44K | $0 | $44K | 18.18% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $32K | $0 | $32K | 13.89% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $30K | $0 | $30K | 15.34% |
| MARK F BAILEY3 | — | DELTA DENTAL OF KANSAS, INC. | $11K | $0 | $11K | 6.36% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL DBA BAILEY GROUP | 1200 PLANTATION ISLAND DRIVE S. SUITE 210 ST. AUGUSTINE, FL 32080 | EYEMED VISION CARE | $8K | $0 | $8K | 10.95% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $148K | $0 | $148K | 238.86% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | STANDARD INSURANCE COMPANY | $10K | $0 | $10K | 15.53% |
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 | 720 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts) | DELTA DENTAL OF KANSAS, INC. | 379 | $430K |
| Vision | EYEMED VISION CARE | 1,096 | $76K |
| Life insurance | STANDARD INSURANCE COMPANY | 720 | $243K |
| Short-term disability | STANDARD INSURANCE COMPANY | 636 | $233K |
| Long-term disability | STANDARD INSURANCE COMPANY | 655 | $193K |
| Other | PERSPECTIVES, LTD | 730 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,096 | — |
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.