| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $31K | — | $31K | 3.43% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | HEALTH OPTIONS | $24K | — | $24K | 3.24% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. STE 210 ST. AUGUSTINE, FL 32080 | USABLE LIFE | $23K | $3K | $26K | 17.91% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $1K | — | $1K | 0.75% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $349 | $349 | 0.34% |
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 | 182 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 71 | $1.7M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 129 | $103K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 129 | $103K |
| Life insurance | USABLE LIFE | 250 | $145K |
| Short-term disability | USABLE LIFE | 250 | $145K |
| Long-term disability | USABLE LIFE | 250 | $145K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 61 | $916K |
| Other | USABLE LIFE | 250 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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."
No prospect flags tripped on this filing.