| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S. SUITE 210 ST. AUGUSTINE, FL 32080 | HEALTH OPTIONS | $32K | — | $32K | 4.56% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S. SUITE 210 ST. AUGUSTINE, FL 32082 | BLUE CROSS BLUE SHIELD OF FLORIDA | $26K | — | $26K | 4.56% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE STE 210 ST. AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE | $7K | — | $7K | 13.72% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE STE 210 ST. AUGUSTINE, FL 32080 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 20.00% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE STE 210 ST. AUGUSTINE, FL 32080 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE STE 210 ST. AUGUSTINE, FL 32080 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $1K | $464 | $2K | 19.67% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $356 | — | $356 | 22.68% |
| DOROTHY RING3 | 8300 PLAZA GATE LN JACKSONVILLE, FL 32217 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $230 | $31 | $261 | 16.62% |
| HEATHER WOMBLE LLC3 | 2809 PIRATE COURT JACKSONVILLE, FL 32224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $62 | $168 | $230 | 14.65% |
| JACQUELINE HALL3 Filed as: JACQUELINE DENEEN HALL | 3281 HIGHLAND MILL LANE ORANGE PARK, FL 32065 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $165 | — | $165 | 10.51% |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN CT JACKSONVILLE, FL 32224 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $26 | $56 | 3.57% |
| CHRISTI FRAUENHEIM WHEELER3 | 2937 SANS PAREIL ST JACKSONVILLE, FL 32246 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $16 | $46 | 2.93% |
| JOEY MIGUES3 Filed as: JOEY GRUBBS BENEFITS LLC | 682 VALLEY VIEW RD MONTICELLO, FL 32344 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.13% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE STE 210 ST. AUGUSTINE, FL 32080 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $147 | — | $147 | 19.92% |
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 | 133 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 62 | $1.3M |
| Dental | FLORIDA COMBINED LIFE | 101 | $54K |
| Vision | HUMANA INSURANCE COMPANY | 93 | $10K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 133 | $22K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 132 | $21K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 62 | $1.3M |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 133 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.