| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SOUTH SUITE 210 ST AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $18K | — | $18K | 6.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SOUTH SUITE 210 ST. AUGUSTINE, FL 32080 | HEALTH OPTIONS | $14K | — | $14K | 6.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SOUTH STE 210 ST AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC | $4K | — | $4K | 13.85% |
| THE BAILEY GROUP3 Filed as: THE BAILEY GROUP, MFB FINANCIAL INC | 1200 PLANTATION ISLAND DRIVE S SUITE 210 ST AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $417 | $2K | 24.13% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S SUITE 210 ST. AUGUSTINE, FL 320803115 | COMPBENEFITS COMPANY | $795 | $222 | $1K | 11.82% |
| MATT CASTO4 | 1700 WHITFIELD ROAD SE EAST GRAND RAPIDS, MI 49506 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $293 | — | $293 | 24.83% |
| COMPLETE BENEFIT SOLUTIONS4 | 236 PONTE VEDRA PARK DR SUITE 101 PONTE VEDRA, FL 32082 | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | $28 | — | $28 | 2.37% |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 45 | $537K |
| Dental | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC | 68 | $27K |
| Vision | COMPBENEFITS COMPANY | 63 | $9K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 123 | $10K |
| Other | PRE-PAID LEGAL SERVICES, INC. DBA LEGAL SHIELD | 6 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.