| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR #210 ST AUGUSTINE, FL 320803115 | BLUE CROSS BLUE SHIELD OF FLORIDA | $89K | — | $89K | 6.00% |
| 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 | $67K | $11K | $78K | 7.22% |
| HODGES-MACE LLC3 | 5775 GLENRIDGE DR STE 500 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 0.51% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $19K | — | $19K | 2.45% |
| MCGRIFF INSURANCE SERVICES INC3 | 3400 OVERTON PK DR SUITE 300 ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18K | — | $18K | 7.15% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 4.69% |
| HODGES-MACE LLC3 Filed as: HODGES-MACE BENEFITS | 5775 E. GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 4.18% |
| MARIE MICHELE HASKELL3 | PO BOX 440307 JACKSONVILLE, FL 32222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 3.92% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 1.53% |
| SLR INSURANCE SOLUTIONS INC3 Filed as: SLR INSURANCE SOLUTIONS, INC | 1021 TORRY CT ST JOHNS, FL 32259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $162 | — | $162 | 0.07% |
| EBERHART & ASSOCIATES INC3 Filed as: EBERHART & ASSOCIATES | 11907 PARKSIDE PRESERVE WAY JACKSONVILLE, FL 32257 | CONTINENTAL AMERICAN INSURANCE COMPANY | $80 | — | $80 | 0.03% |
| KRISTIN GREEN3 | 3139 HOLLY GREEN LOOP GREEN COVE SPRINGS, FL 32043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| JAVIER LORENZO SOTO3 Filed as: JAVIER SOTO | 130 E HAWTHORNE RD HOMEWOOD, AL 35209 | 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 | $0 | — | $0 | 0.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $16K | — | $16K | 11.68% |
| AMT LLC4 | 1616 MAPMAKERS WAY SAINT AUGUSTINE, FL 32092 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | — | $4K | 9.61% |
| KEVIN PUTNAM4 | 3499 RANCH ROAD 620 S APT M 2201 AUSTIN, TX 78738 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $195 | — | $195 | 0.52% |
| COMPLETE BENEFIT SOLUTIONS4 | 1336 HIDEAWAY DR S STE 101 PONTE VEDRA, FL 32259 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $69 | — | $69 | 0.18% |
| PASSIONFLOWER ORGANICS LLC4 | 3342 NOKOMIS RD ORANGE PARK, FL 32073 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $62 | — | $62 | 0.16% |
| ROXANNE O DONNELL4 | 9212 LINSLADE WAY WAKE FOREST, NC 27587 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $33 | — | $33 | 0.09% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST AUGUSTINE, FL 32080 | PAN-AMERICAN LIFE INSURANCE COMPANY | $11K | $116K | $128K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA EIN 59-2015694 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $829K |
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 | 3,724 | 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) | 3,724 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 186 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,661 | $787K |
| Vision | HUMANA INSURANCE COMPANY | 1,416 | $134K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,724 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,724 | $1.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,724 | $1.1M |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 104 | $0 |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,144 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,724 | — |
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.