| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | 1200 PLANTATION ISLAND DR S #210 ST AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $264K | $32K | $296K | 23.59% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 SUITE 125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 0.43% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | 1200 PLANTATION ISLAND DR S #210 ST AUGUSTINE, FL 32080 | METROPOLITAN LIFE INSURANCE COMPANY | $140K | $22K | $162K | 16.06% |
| NFP INSURANCE SERVICES INC Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 0.67% |
| MARK F BAILEY3 | 1200 PLANTATION ISLAND DR S #210 ST AUGUSTINE, FL 32080 | FLORIDA BLUE | $58K | — | $58K | 15.00% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | 1200 PLANTATION ISLAND DR S #210 ST AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $5K | $41K | 22.93% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | 1200 PLANTATION ISLAND DR S #210 ST AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $2K | $29K | 21.69% |
| MFB FINANCIAL DBA THE BAILEY GROUP4 | 1200 PLANTATION ISLAND DR S #210 ST AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $7K | — | $7K | 12.44% |
| MATT CASTO4 | 7365 TREELINE DR SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $7K | — | $7K | 11.35% |
| CHARLESB ZITSMAN4 | 3521 KINGS RD S ST AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $3K | — | $3K | 5.84% |
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 | 1,957 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,957 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,300 | $1.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,300 | $1.0M |
| Stop-loss / reinsurancereinsurance | FLORIDA BLUE | 1,709 | $387K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,372 | $374K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,300 | — |
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."
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.