| 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 | $44K | — | $44K | 3.00% |
| 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 | $33K | — | $33K | 3.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC. | 1200 PLANTATION ISLAND DR. S STE 210 ST. AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE | $12K | — | $12K | 9.01% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. DBA THE BAILEY G | 1200 PLANTATION ISLAND DR. S. STE 210 ST. AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $2K | $16K | 23.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HIGHWAY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $901 | $901 | 1.29% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHED SCH A | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $2K | $61 | $2K | 11.01% |
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 | 279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 135 | $2.6M |
| Dental | FLORIDA COMBINED LIFE | 245 | $138K |
| Vision | VISION SERVICE PLAN | 185 | $25K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 217 | $70K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 217 | $70K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 135 | $2.6M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 217 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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."
No prospect flags tripped on this filing.