| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRP CORP DBA ACENTRIA BRC3 | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | HEALTH OPTIONS | $13K | — | $13K | 2.55% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC. | 1200 PLANTATION ISLAND DRIVE ST. AUGUSTINE, FL 32080 | HEALTH OPTIONS | $2K | — | $2K | 0.43% |
| FRP CORP DBA ACENTRIA BRC3 | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | BLUE CROSS BLUE SHIELD OF FLORIDA | $9K | — | $9K | 3.03% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DRIVE SAINT AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | — | $2K | 0.55% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR. S STE 210 ST. AUGUSTINE, FL 32080 | USABLE LIFE | $8K | $1K | $9K | 10.75% |
| FRP CORP DBA ACENTRIA BRC3 | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | USABLE LIFE | $5K | — | $5K | 5.95% |
| FRP CORP DBA ACENTRIA BRC3 | 4634 GULFSTARR DRIVE DESTIN, FL 32541 | FLORIDA COMBINED LIFE | $5K | — | $5K | 9.24% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR. S. STE 210 ST. AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE | $407 | — | $407 | 0.71% |
| FRP CORP DBA ACENTRIA BRC3 | 4634 GULFSTARR DR. DESTIN, FL 32541 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $807 | — | $807 | 8.19% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIALS INC. | 1200 PLANTATION ISLAND DR. S ST. AUGUSTINE, FL 32080 | BLUECROSS BLUESHIELD OF FLORIDA, INC. | $69 | — | $69 | 0.70% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 33 | $297K |
| Dental(2 contracts, 2 carriers) | FLORIDA COMBINED LIFE | 119 | $67K |
| Vision | BLUECROSS BLUESHIELD OF FLORIDA, INC. | 89 | $10K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 206 | $96K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 206 | $96K |
| Long-term disability | USABLE LIFE | 206 | $86K |
| Prescription drug | HEALTH OPTIONS | 78 | $526K |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 206 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.