| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC. | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE | $4K | — | $4K | 2.58% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | FLORIDA COMBINED LIFE | $2K | — | $2K | 1.31% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST. AUGUSTINE, FL 32080 | USABLE LIFE | $17K | — | $17K | 11.05% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURNACE, INC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | USABLE LIFE | $14K | — | $14K | 9.23% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $1K | $65 | $1K | 0.91% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION DRIVE S STE 400 ST AUGUSTINE, FL 32080 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 5.83% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 4.10% |
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 | 358 | 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) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 157 | $1.5M |
| Dental | FLORIDA COMBINED LIFE | 275 | $160K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 358 | $25K |
| Life insurance | USABLE LIFE | 370 | $151K |
| Short-term disability(2 contracts, 2 carriers) | HEALTH OPTIONS | 370 | $1.2M |
| Long-term disability(2 contracts, 2 carriers) | USABLE LIFE | 370 | $176K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 370 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 370 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.