| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $338K | — | $338K | 21.37% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 0.32% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S #210 ST AUGUSTINE, FL 32080 | METROPOLITAN LIFE INSURANCE COMPANY | $207K | $493 | $207K | 15.55% |
| 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 | $13K | — | $13K | 0.95% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $629 | $42K | 19.76% |
| 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 | $2K | — | $2K | 0.94% |
| MFP FINANCIAL INC3 Filed as: MFP FINANCIAL DBA THE BAILEY GROUP | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $55 | $32K | 19.34% |
| 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 | $2K | — | $2K | 0.93% |
| THE BAILEY GROUP4 | 1200 PLANTATION ISLAND DRIVE #210 ST AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $6K | — | $6K | 10.79% |
| MATT CASTO4 Filed as: MATT CASTRO | 7365 TREELINE DR SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $4K | — | $4K | 8.23% |
| CHARLES B ZITSMAN4 | 3521 KINGS RD S ST AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $3K | — | $3K | 4.85% |
| ROADSINE MOTOR CLUB4 | 4000 ISLAND BLVD #2803 AVENTURA, FL 33160 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $29 | — | $29 | 0.05% |
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 | 2,206 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,542 | $378K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,740 | $1.3M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,740 | $1.3M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,206 | $1.6M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,206 | $1.6M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,206 | $1.6M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,206 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,740 | — |
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.