| 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 DRIVE STE 1350 SAINT AUGUSTINE, FL 32080 | HEALTH OPTIONS | $35K | — | $35K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | HEALTH OPTIONS | $12K | — | $12K | 1.00% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | 1200 PLANTATION ISLAND DR ST. AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $22K | — | $22K | 3.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVE STE 1000 JACKSONVILLE, FL 32202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $7K | — | $7K | 1.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC. | 1200 PLANTATION ISLAND DR. S STE 210 ST. AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE | $7K | — | $7K | 5.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 S. ORANGE AVE STE 1350 ORLANDO, FL 328013439 | FLORIDA COMBINED LIFE | $5K | — | $5K | 3.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 S. ORANGE AVE STE 1350 ORLANDO, FL 328013439 | USABLE LIFE | $6K | — | $6K | 13.08% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $680 | — | $680 | 1.42% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHED SCH A | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $4K | $57 | $4K | 10.70% |
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 | 219 | 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. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 141 | $1.9M |
| Dental | FLORIDA COMBINED LIFE | 235 | $130K |
| Vision | VISION SERVICE PLAN | 183 | $24K |
| Life insurance | USABLE LIFE | 219 | $48K |
| Short-term disability | USABLE LIFE | 219 | $48K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 141 | $1.9M |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 219 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.