| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | METROPOLITAN LIFE INSURANCE COMPANY | $189K | $0 | $189K | 14.59% |
| 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 | $11K | $0 | $11K | 0.83% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $145K | $16K | $161K | 24.43% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC | PO BOX 1313 ORLANDO, FL 32802 | STANDARD INSURANCE COMPANY | — | $21K | $21K | 3.22% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $88K | $14K | $102K | 21.31% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC. | PO BOX 1313 ORLANDO, FL 32802 | STANDARD INSURANCE COMPANY | — | $15K | $15K | 3.21% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $45K | $12K | $57K | 23.07% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMIN INC | PO BOX 1313 ORLANDO, FL 32802 | STANDARD INSURANCE COMPANY | — | $8K | $8K | 3.21% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $0 | $40K | 18.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.83% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $0 | $33K | 18.35% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.83% |
| MFB FINANCIAL DBA THE BAILEY GROUP4 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $5K | $0 | $5K | 9.86% |
| MATT CASTO4 | 7365 TREELINE DR SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $4K | $0 | $4K | 8.92% |
| CHARLES B ZITSMAN4 | 3521 KINGS RD S ST AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 4.50% |
| ROADSIDE MOTOR CLUB4 | 4000 ISLAND BLVD APT 2803 AVENTURA, FL 33160 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | $0 | $26 | 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 | 2,174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,461 | $395K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,602 | $1.3M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,602 | $1.3M |
| Life insurance | STANDARD INSURANCE COMPANY | 2,174 | $659K |
| Short-term disability | STANDARD INSURANCE COMPANY | 1,277 | $247K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,140 | $478K |
| Other | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 431 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,602 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.