| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $83K | — | $83K | 6.00% |
| HODGES-MACE LLC3 | 5775 GLENRIDGE DR STE 500 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | — | $33K | $33K | 2.99% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $39 | $31K | 2.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 0.42% |
| MCGRIFF INSURANCE SERVICES INC3 | PO BOX 896620 CHARLOTTE, NC 28289 | METROPOLITAN LIFE INSURANCE COMPANY | — | $618 | $618 | 0.06% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $19K | — | $19K | 2.46% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP, INC. | 5755 E GLENRIDGE DR SUITE 500 ATLANTA, GA 30328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23K | — | $23K | 6.71% |
| MARIE MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 3.71% |
| MCGRIFF INSURANCE SERVICES INC3 | 3400 OVERTON PK DR SUITE 300 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 3.28% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 1.99% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 1.67% |
| MARIE MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.64% |
| SLR INSURANCE SOLUTIONS INC3 Filed as: SLR INSURANCE SOLUTIONS, INC | 1021 TORRY CT ST JOHNS, FL 32259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $482 | — | $482 | 0.14% |
| EBERHART & ASSOCIATES INC3 Filed as: EBERHART & ASSOCIATES | 11907 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | CONTINENTAL AMERICAN INSURANCE COMPANY | $221 | — | $221 | 0.06% |
| MARK A LINSNER3 | 153 BLANDING BLVD STE 3 ORANGE PARK, FL 32073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.01% |
| CHRISTOPHER E BELL3 | 9745 TOUCHTON RD #422 SUITE 604 JACKSONVILLE, FL 32246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| PHILIP L GREEN3 | 276 BRIARWOOD LN PONTE VEDRA BEACH, FL 32082 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$38 | — | -$38 | -0.01% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $13K | $12K | $25K | 18.07% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SERV INC-SW ALABAMA | 2211 7TH AVE S BIRMINGHAM, AL 35233 | HUMANA INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
| AMT LLC4 | 1616 MAPMAKERS WAY SAINT AUGUSTINE, FL 32092 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | — | $2K | 8.75% |
| KEVIN PUTNAM4 | 3499 RANCH ROAD 620 S APT M 2201 AUSTIN, TX 78738 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $159 | — | $159 | 0.61% |
| PASSIONFLOWER ORGANICS LLC4 | 3342 NOKOMIS RD ORANGE PARK, FL 32073 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $53 | — | $53 | 0.20% |
| COMPLETE BENEFIT SOLUTIONS4 | 1336 HIDEAWAY DR S STE 101 PONTE VEDRA, FL 32259 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $53 | — | $53 | 0.20% |
| ROXANNE O DONNELL4 | 9212 LINSLADE WAY WAKE FOREST, NC 27587 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | — | $26 | 0.10% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST AUGUSTINE, FL 32080 | PAN-AMERICAN LIFE INSURANCE COMPANY | $12K | $14K | $26K | — |
| PAN-AMERICAN LIFE5 Filed as: PAN AMERICAN LIFE | 601 POYDRAS ST NEW ORLEANS, LA 70130 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $7K | $7K | — |
| PAN-AMERICAN BENEFIT SOLUTIONS0 | 1778 NO PLAN RD #310 RICHARDSON, TX 75081 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $6K | $6K | — |
| MARK BAILEY3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | PAN-AMERICAN LIFE INSURANCE COMPANY | $1K | $1K | $2K | — |
| RXEDO0 | PO BOX 678586 DALLAS, TX 75267 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $45 | $45 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $794K |
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 | 3,501 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 185 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,589 | $758K |
| Vision | HUMANA INSURANCE COMPANY | 1,323 | $139K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,515 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,515 | $1.4M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,515 | $1.1M |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 103 | $0 |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 663 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,515 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.