| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 SAINT AUGUSTINE, FL 320803115 | METROPOLITAN LIFE INSURANCE COMPANY | $217K | $42K | $259K | 12.77% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | — | $50K | $50K | 2.48% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 0.64% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 SAINT AUGUSTINE, FL 320803115 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $4K | $18K | 19.61% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.67% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $474 | — | $474 | 0.53% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | METROPOLITAIN LIFE INSURANCE COMPANY | $14K | $4K | $18K | 24.43% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | METROPOLITAIN LIFE INSURANCE COMPANY | — | $3K | $3K | 4.16% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAIN LIFE INSURANCE COMPANY | $441 | — | $441 | 0.60% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S SUITE 210 SAINT AUGUSTINE, FL 320803115 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $4K | $18K | 24.62% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 294928378 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 4.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $439 | — | $439 | 0.61% |
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 | 1,808 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,808 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 599 | $236K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,822 | $2.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,822 | $2.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,822 | $2.0M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,822 | $2.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,822 | $2.0M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,822 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,822 | — |
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.