| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR SUITE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $85K | — | $85K | 20.89% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 2.32% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $50K | — | $50K | 20.72% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 2.63% |
| MFB FINANCIAL INC3 | STE 210 1200 PLANTATION ISLAND DR ST AUGUSTINE, FL 320803115 | HUMANA INSURANCE COMPANY | $14K | $0 | $14K | 9.91% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $26K | — | $26K | 20.06% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.25% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 20.01% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPITAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.80% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 SAINT AUGUSTINE, FL 32080 | ARAG INSURANCE COMPANY | $4K | $0 | $4K | 12.00% |
| MCGINTY-GORDON AND ASSOCIATES3 | 225 MARINA DRIVE PO BOX 20668 ST SIMONS, GA 31522 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | — |
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 | 1,244 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 936 | $141K |
| Life insurance | STANDARD INSURANCE COMPANY | 1,719 | $242K |
| Short-term disability | STANDARD INSURANCE COMPANY | 331 | $131K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,006 | $406K |
| Other(2 contracts, 2 carriers) | ARAG INSURANCE COMPANY | 1,813 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,813 | — |
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.