| 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 | 4.63% |
| 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 | $56K | $16 | $56K | 7.11% |
| 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 | $9K | — | $9K | 1.09% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | — | $16K | 2.46% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94K | — | $94K | 23.93% |
| MARIE MICHELE HASKELL3 | PO BOX 44037 JACKSONVILLE, FL 32222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12K | — | $12K | 3.10% |
| HODGES-MACE LLC3 Filed as: HODGES-MACE BENEFITS | 5775 E. GLENRIDGE DRIVE SUITE 500 ATLANTA, GA 30328 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 1.82% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 1.42% |
| SLR INSURANCE SOLUTIONS INC3 Filed as: SLR INSURANCE SOLUTIONS, INC. | 1021 TORRY CT. ST. JOHNS, FL 32259 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | — | $52 | 0.01% |
| EBERHART & ASSOCIATES INC3 Filed as: EBERHART & ASSOCIATES INC. | 11097 PARKSIDE PRESERVE WAY STE 1000 JACKSONVILLE, FL 32257 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22 | — | $22 | 0.01% |
| MARK A LINSNER3 | 153 BLANDING BLVD. STE 3 ORANGE PARK, FL 32073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| JAVIER LORENZO SOTO3 Filed as: JAVIER L SOTO | 130 E. HAWTHORNE RD. HOMEWOOD, AL 35209 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| KRISTIN GREEN3 | 3139 HOLLY GREEN LOOP GREEN COVE SPRINGS, FL 32043 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| PHILIP L GREEN3 | 276 BRIARWOOD LN PONTE VEDRA, FL 32082 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$4 | — | -$4 | -0.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST AUGUSTINE, FL 32080 | PAN-AMERICAN LIFE INSURANCE COMPANY | $15K | — | $15K | 9.66% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $13K | $2K | $15K | 11.87% |
| AMT LLC4 | 1616 MAPMAKERS WAY SAINT AUGUSTINE, FL 32092 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $5K | — | $5K | 9.31% |
| MFB FINANCIAL DBA THE BAILEY GROUP4 | 1200 PLANTATION ISLAND DR. STE 210 ST. AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | — | $3K | 6.85% |
| KEVIN PUTNAM4 | 3499 RANCH ROAD 620 S APT M 2201 AUSTIN, TX 78738 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $137 | — | $137 | 0.27% |
| COMPLETE BENEFIT SOLUTIONS4 | 1336 HIDEAWAY DR S STE 101 PONTE VEDRA, FL 32259 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $67 | — | $67 | 0.13% |
| PASSIONFLOWER ORGANICS LLC4 | 3342 NOKOMIS RD ORANGE PARK, FL 32073 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $43 | — | $43 | 0.09% |
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 | 850 | 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) | 876 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 233 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,194 | $641K |
| Vision | HUMANA INSURANCE COMPANY | 1,036 | $126K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,285 | $784K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,285 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,285 | $784K |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 133 | $159K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 688 | $603K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,285 | — |
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.