| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC DBS THE BAILEY GR | 1200 PLANTATION ISLAND DRIVE SAINT AUGUSTINE, FL 32080 | HEALTH OPTIONS | $42K | $0 | $42K | 5.00% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | 1200 PLANTATION ISLAND DRIVE SAINT AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | $0 | $2K | 5.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR 210 ST AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $199 | $199 | 0.68% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR 210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $166 | $166 | 0.61% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE | $5K | $0 | $5K | 27.31% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR 210 ST AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TX HWY AUSTIN, TX 78746 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $151 | $151 | 0.89% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $544 | $2K | 22.73% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP INC | 155 PROFESSIONAL DR PONTE VEDRA BEACH, FL 32082 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $365 | $365 | 3.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TX HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $213 | $0 | $213 | 2.33% |
| FRINGE BENEFIT PLANS INC3 | 2211 LEE RD WINTER PARK, FL 32789 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11 | $11 | 0.12% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST AUGUSTINE, FL 32080 | TRANSAMERICA LIFE INSURANCE COMPANY | $412 | $0 | $412 | 6.42% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | TRANSAMERICA LIFE INSURANCE COMPANY | $205 | $0 | $205 | 3.19% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | TRANSAMERICA LIFE INSURANCE COMPANY | $205 | $0 | $205 | 3.19% |
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DRIVE PONTE VEDRA BEACH, FL 32082 | TRANSAMERICA LIFE INSURANCE COMPANY | $194 | $0 | $194 | 3.02% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | TRANSAMERICA LIFE INSURANCE COMPANY | $193 | $0 | $193 | 3.01% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST AUGUSTINE, FL 32080 | TRANSAMERICA LIFE INSURANCE COMPANY | $123 | $0 | $123 | 1.92% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | 1200 PLANTATION ISLAND DRIVE SAINT AUGUSTINE, FL 32080 | NEW BENEFITS LTD. | $289 | $0 | $289 | 8.83% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 95 | $876K |
| Dental | FLORIDA COMBINED LIFE | 41 | $20K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $29K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 0 | $17K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 137 | $27K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 79 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
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.