| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 | 18700 N HAYDEN ROAD SUITE 405 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | $12K | $45K | 6.80% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $70K | $8K | $78K | 15.33% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. SUITE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $38K | — | $38K | 11.36% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. SUITE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $20K | $2K | $22K | 15.57% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $26K | $2K | $27K | 23.91% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. SUITE 210 ST. AUGUSTINE, FL 32080 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13K | — | $13K | 18.14% |
| VERA I CRUICE3 Filed as: VERA IRIS CRUICE | 11445 DRAKEWOOD CT JACKSONVILLE, FL 32223 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 12.29% |
| MARK A LINSNER3 Filed as: MARK ANDREW LINSNER | 1712 AUSTIN LN ST. AUGUSTINE, FL 320921051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.27% |
| SLR INSURANCE SOLUTIONS INC3 Filed as: SLR INSURANCE SOLUTIONS, INC | 10375 N CENTURION PKWY SUITE 100 JACKSONVILLE, FL 32256 | CONTINENTAL AMERICAN INSURANCE COMPANY | $903 | — | $903 | 1.27% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 21.56% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | SUITE 210 1200 PLANTATION ISLAND DR ST. AUGUSTINE, FL 32080 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.48% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | SUITE 210 1200 PLANTATION ISLAND DR ST. AUGUSTINE, FL 32080 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.53% |
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 | 679 | 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) | 681 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 489 | $337K |
| Vision | STANDARD INSURANCE COMPANY | 428 | $57K |
| Life insurance | STANDARD INSURANCE COMPANY | 629 | $114K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 500 | $211K |
| Long-term disability | STANDARD INSURANCE COMPANY | 621 | $508K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 541 | $664K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 500 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 629 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.