| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE ST. AUGUSTINE, FL 32080 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $34K | $2K | $36K | 8.76% |
| LARSON INSURANCE GROUP3 | 1497 MAIN ST. #307 DUNEDIN, FL 34698 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $34K | — | $34K | 8.26% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $58K | — | $58K | 14.12% |
| NFP INSURANCE SERVICES INC3 | 109 LAURENS RD SUITE 1A GREENVILLE, SC 29607 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 0.51% |
| UMR, INC.3 | P.O. BOX 88822 MILWAUKEE, WI 53288 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 0.46% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST. AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | — | $30K | 15.00% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 320803115 | HUMANA INSURANCE COMPANY OF NE | $11K | — | $11K | 10.88% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR #210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $4K | $19K | 25.38% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST. AUGUSTINE, FL 320803115 | HUMANADENTAL INSURANCE COMPANY | $7K | $943 | $8K | 16.98% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | US LEGAL | $4K | — | $4K | 17.91% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST. AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST. AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 20.00% |
| LARSON INSURANCE GROUP3 | 1497 MAIN ST. #307 DUNEDIN, FL 34698 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | — | $3K | — |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE ST. AUGUSTINE, FL 32080 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | — | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF FLORIDA EIN 59-2015694 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 4800 DEERWOOD CAMPUS PARKWAY DCC 8-4 JACKSONVILLE, FL 32246 | $628K |
| MFB FINANCIAL INC. EIN 59-3391619 INSURANCE AGENTS | Insurance agents and brokers Service code 22 | 1200 PLANTATION ISLAND DRIVE SOUTH STE 210 ST. AUGUSTINE, FL 32080 | $0 |
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 | 1,416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,430 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANADENTAL INSURANCE COMPANY | 1,153 | $45K |
| Vision | HUMANA INSURANCE COMPANY OF NE | 786 | $101K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 198 | $77K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 1,161 | $413K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,151 | $412K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,331 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,331 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.