| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR S STE ST. AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $68K | — | $68K | 2.76% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | PO BOX 785700 PHILADELPHIA, PA 19178 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | — | $36K | 6.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC. | 1250 S. CAPITAL OF TEXAS HWY BLDG 2 STE 125 ATLANTA, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 1.50% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | — | $11K | 2.45% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $54K | — | $54K | 15.80% |
| MARIE MICHELE HASKELL3 | 5023 EAGLE POINT DRIVE JACKSONVILLE, FL 32244 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 1.07% |
| HODGES-MACE LLC3 Filed as: HODGES-MACE BENEFITS | PO BOX 64028 THE WOODLANDS, TX 77387 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.57% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.55% |
| MARK A LINSNER3 | 17 AUSTIN LN ST. AUGUSTINE, FL 32092 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.01% |
| SLR INSURANCE SOLUTIONS INC3 Filed as: SLR INSURANCE SOLUTIONS, INC. | 179 PINE HAVEN DR ST. JOHNS, FL 32259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| PHILIP L GREEN3 | 276 BRIARWOOD LANE PONTE VEDRA BEACH, FL 32082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| KRISTIN GREEN3 | 3139 HOLLY GREEN LOOP GREEN COVE SPRINGS, FL 32043 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST AUGUSTINE, FL 32080 | PAN-AMERICAN LIFE INSURANCE COMPANY | $13K | — | $13K | 9.67% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $10K | — | $10K | 9.93% |
| AMT LLC4 | 1616 MAPMAKERS WAY SAINT AUGUSTINE, FL 32092 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 6.46% |
| MFB FINANCIAL DBA THE BAILEY GROUP4 | 1200 PLANTATION ISLAND DR. STE 210 ST. AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 5.53% |
| COMPLETE BENEFIT SOLUTIONS4 | 1336 HIDEAWAY DR S STE 101 PONTE VEDRA, FL 32259 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $37 | — | $37 | 0.10% |
| KEVIN PUTNAM4 | 12505 CALISTOGA WAY AUSTIN, TX 78732 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $22 | — | $22 | 0.06% |
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 | 1,996 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,012 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 250 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,148 | $444K |
| Vision | HUMANA INSURANCE COMPANY | 1,015 | $97K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,543 | $524K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,543 | $865K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,543 | $524K |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 114 | $131K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,022 | $509K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,543 | — |
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.