| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | HEALTH OPTIONS | $27K | — | $27K | 6.09% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $13K | — | $13K | 6.08% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 9.94% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $417 | — | $417 | 1.10% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $361 | — | $361 | 0.95% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $560 | — | $560 | 2.08% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $485 | — | $485 | 1.80% |
| BAILEA MCNIEL3 | 3591 KERNAN BLVD S APT 313 JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $2K | $6K | 27.11% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 15.35% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH ANNE FELL | 775 PROVIDENCE ISLAND CT JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $330 | $2K | 7.54% |
| STEVEN JAMES FELL3 | 1550 HARRINGTON PARK DR JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $366 | $346 | $712 | 3.16% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $844 | — | $844 | 10.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | — | $387 | $387 | 4.59% |
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 | 136 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 52 | $659K |
| Dental | STANDARD INSURANCE COMPANY | 78 | $38K |
| Vision | HUMANA INSURANCE COMPANY | 82 | $8K |
| Life insurance | STANDARD INSURANCE COMPANY | 136 | $27K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 43 | $23K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 43 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.