| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC. DBA THE BAILEY | 1200 PLANTATION ISLAND DR. S. STE 210 ST. AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $57K | — | $57K | 2.52% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC. DBA THE BAILEY | 1200 PLANTATION ISLAND DR. S. STE 210 ST. AUGUSTINE, FL 32080 | HEALTH OPTIONS | $32K | — | $32K | 2.52% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC. | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE | $9K | — | $9K | 3.84% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. SUITE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $8K | $7K | $15K | 16.50% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HIGHWAY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.20% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. SUITE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $12K | $7K | $19K | 21.43% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HIGHWAY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.28% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. SUITE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $12K | $6K | $18K | 21.30% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HIGHWAY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.19% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR STE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $36K | $4K | $41K | 70.08% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | STANDARD INSURANCE COMPANY | $3K | $1K | $4K | 7.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY. BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 2.67% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION DRIVE S STE 210 ST AUGUSTINE, FL 32080 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3 | — | $3 | 0.01% |
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 | 460 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 461 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 204 | $3.5M |
| Dental | FLORIDA COMBINED LIFE | 340 | $225K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 443 | $31K |
| Life insurance | STANDARD INSURANCE COMPANY | 460 | $83K |
| Short-term disability | STANDARD INSURANCE COMPANY | 577 | $91K |
| Long-term disability | STANDARD INSURANCE COMPANY | 119 | $89K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 204 | $3.5M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 370 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 577 | — |
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."
No prospect flags tripped on this filing.