| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | HCC LIFE INSURANCE COMPANY | — | $48K | $48K | 5.79% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY (LTD) | $53K | $5K | $58K | 14.81% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. SUITE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY (DENTAL) | $44K | — | $44K | 12.08% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. SUITE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY (STD) | $25K | $3K | $28K | 15.07% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY (LIFE) | $32K | $2K | $34K | 22.25% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. SUITE 210 ST. AUGUSTINE, FL 32080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 11.18% |
| VERA I CRUICE3 Filed as: VERA IRIS CRUICE | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 7.46% |
| LUIS M HERNANDEZ-ROSADO3 Filed as: LUIS MIGUEL HERNANDEZ-ROSADO | 2190 SAINT MARTINS DR E JACKSONVILLE, FL 32246 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 1.97% |
| WHITNEY L MILLWOOD3 | 1763 FIDDLERS RIDGE DR FLEMING ISLAND, FL 320037241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $923 | — | $923 | 0.69% |
| MARK A LINSNER3 Filed as: MARK ANDREW LINSNER | 1712 AUSTIN LN ST. AUGUSTINE, FL 320921051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $852 | — | $852 | 0.64% |
| SLR INSURANCE SOLUTIONS INC3 Filed as: SLR INSURANCE SOLUTIONS, INC | 10375 N CENTURION PKWY SUITE 100 JACKSONVILLE, FL 32256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $331 | — | $331 | 0.25% |
| MICHAEL S WITHROW3 Filed as: MICHAEL SHANE WITHROW | 1369 BARRINGTON CIRCLE ST. AUGUSTINE, FL 32092 | CONTINENTAL AMERICAN INSURANCE COMPANY | $87 | — | $87 | 0.07% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY (VISION) | $16K | — | $16K | 24.81% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | SUITE 210 1200 PLANTATION ISLAND DR ST. AUGUSTINE, FL 32080 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.66% |
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 | 719 | 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) | 721 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY (DENTAL) | 531 | $364K |
| Vision | STANDARD INSURANCE COMPANY (VISION) | 460 | $65K |
| Life insurance | STANDARD INSURANCE COMPANY (LIFE) | 719 | $151K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY (STD) | 270 | $318K |
| Long-term disability | STANDARD INSURANCE COMPANY (LTD) | 715 | $391K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 565 | $823K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 232 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 719 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.