| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD STE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | $320 | $25K | 4.63% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $72K | $6K | $78K | 16.96% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR SUITE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $33K | — | $33K | 12.13% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $18K | $2K | $19K | 17.75% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $23K | $1K | $25K | 23.75% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. STE 210 ST. AUGUSTINE, FL 32080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20K | — | $20K | 27.68% |
| VERA I CRUICE3 Filed as: VERA IRIS CRUICE | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 18.76% |
| MARK A LINSNER3 Filed as: MARK ANDREW LINSNER | 1712 AUSTIN LN ST. AUGUSTINE, FL 320921051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 7.64% |
| SLR INSURANCE SOLUTIONS INC3 Filed as: SLR INSURANCE SOLUTIONS, INC | 10375 N CENTURION PKWY STE 100 JACKSONVILLE, FL 32256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.36% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 23.27% |
| MFB FINANCIAL INC3 | SUITE 210 1200 PLANTATION ISLAND DR ST. AUGUSTINE, FL 32080 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.41% |
| MFB FINANCIAL INC3 | SUITE 210 1200 PLANTATION ISLAND DR ST. AUGUSTINE, FL 32080 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.31% |
| MFB FINANCIAL INC3 | SUITE 210 1200 PLANTATION ISLAND DR ST. AUGUSTINE, FL 32080 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63 | — | $63 | 0.15% |
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 | 637 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 445 | $273K |
| Vision | STANDARD INSURANCE COMPANY | 399 | $53K |
| Life insurance | STANDARD INSURANCE COMPANY | 623 | $104K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 469 | $180K |
| Long-term disability | STANDARD INSURANCE COMPANY | 618 | $461K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 221 | $550K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 469 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 623 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.