| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND STE 210 SAINT AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $59K | $71K | 6.74% |
| MFG THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | UNITEDHEALTHCARE | $8K | — | $8K | 18.22% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 14.37% |
| LYNNE HEALY3 | 20 UNDERMOUNT PATH E PALM COAST, FL 32164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $345 | $1K | $1K | 5.31% |
| WENDY ALMA WEYER3 | 8 SQUASH BLOSSOM TRL PALM COAST, FL 32164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $159 | $597 | $756 | 2.84% |
| JENNIFER ALLEN3 | 60 FRANCISCAN LANE PALM COAST, FL 32137 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $348 | $9 | $357 | 1.34% |
| NICOLE TOWNSEND VEDDER3 | 6548 WILDEMEADE PL. TALLAHASSEEE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $103 | $269 | 1.01% |
| BAILEA MCNIEL3 | 8685 BAYMEADOWS RD EAST JACKSONVILLE, FL 32256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $235 | — | $235 | 0.88% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH ANNE FELL | 3996 RICHMOND PARK DR E JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 0.48% |
| JASON ALLEN3 | 60 FRANCISCAN LANE PALM COAST, FL 32137 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $32 | $58 | 0.22% |
| STEVEN JAMES FELL3 | 3996 RICHMOND PARK DR E JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | — | $21 | 0.08% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 216 | $1.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 216 | $1.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 216 | $1.0M |
| Life insurance | UNITEDHEALTHCARE | 284 | $43K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 42 | $27K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE | 284 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.