| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALTER CLAY MCRAE3 | PO BOX 43006 JACKSONVILLE, FL 322033006 | HEALTH OPTIONS | $37K | — | $37K | 5.00% |
| WALTER CLAY MCRAE3 | PO BOX 43006 JACKSONVILLE, FL 322033006 | BLUE CROSS BLUE SHIELD OF FLORIDA | $10K | — | $10K | 5.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $18K | — | $18K | 12.16% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $4K | $4K | 2.67% |
| WALTER CLAY MCRAE3 | 1912 HAMILTON STREET SUITE 107 JACKSONVILLE, FL 32210 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 8.75% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DRIVE SOUTH SUITE 210 SAINT AUGUSTINE, FL 32080 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.56% |
| WALTER CLAY MCRAE3 | PO BOX 43006 JACKSONVILLE, FL 322033006 | FLORIDA COMBINED LIFE | $69 | — | $69 | 0.46% |
| FLORIDA BLUE3 | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $48 | — | $48 | 0.32% |
| WALTER CLAY MCRAE3 | P.O. BOX 43006 JACKSONVILLE, FL 322033006 | FLORIDA COMBINED LIFE | $2K | — | $2K | 13.77% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DRIVE SOUTH SUITE 210 SAINT AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE | $275 | — | $275 | 2.22% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH OPTIONS | 108 | $1.1M |
| Dental | FLORIDA COMBINED LIFE | 32 | $15K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 106 | $53K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 149 | $65K |
| Short-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 91 | $147K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 91 | $147K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 108 | $940K |
| Other(2 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 149 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.