| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST. AUGUSTINE, FL 32080 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $38K | — | $38K | 4.58% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST. AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $36K | — | $36K | 10.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST. AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | — | $33K | 10.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST. AUGUSTINE, FL 32080 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $8K | $54K | 19.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.75% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 6.07% |
| MARK BAILEY3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 SAINT AUGUSTINE, FL 32080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 6.07% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 14.24% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 SAINT AUGUSTINE, FL 32080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.93% |
| MARK BAILEY3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 SAINT AUGUSTINE, FL 32080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.36% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 18.08% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 SAINT AUGUSTINE, FL 32080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 6.58% |
| MARK F BAILEY3 | 1200 PLANTATION ISLAND DR SUITE 210 SAINT AUGUSTINE, FL 32080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 5.80% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $49 | — | $49 | 0.10% |
| BENEFITS TECHNOLOGIES LLC3 | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VCG CONSULTANTS | 999 PEACHTREE ST NE STE 1500 ATLANTA, GA 30309 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
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 | 1,641 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,654 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 273 | $71K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,357 | $836K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,357 | $836K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,181 | $283K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 850 | $356K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,592 | $327K |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,181 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,357 | — |
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.