| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | HEALTH OPTIONS | $28K | $0 | $28K | 1.94% |
| MFB FINANCIAL INC | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $41K | $0 | $41K | 3.22% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $6K | $28K | 14.30% |
| JASON GAYDON3 Filed as: JASON O LEWIS | 2172 PELLMAN PARKWAY STE 103 PELLMAN, AL 35124 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $910 | — | $910 | 8.39% |
| AON CONSULTING INC3 Filed as: ALLSTATE BENEFITS | 1776 AMERICAN HERITAGE LIFE DRIVE JACKSONVILLE, FL 32224 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $867 | — | $867 | 8.00% |
| NICKY REED3 | 5383 US HIGHWAY 11 SPRINGVILLE, AL 35146 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $390 | — | $390 | 3.60% |
| THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | ARAG INSURANCE COMPANY | $702 | — | $702 | 10.00% |
| MFB FINANCIAL INC3 Filed as: MFB (THE BAILEY GROUP) | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | $0 | $39K | — |
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 | 573 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 587 | 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 | 594 | $1.5M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 573 | $0 |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 573 | $0 |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 573 | $0 |
| Prescription drug | HEALTH OPTIONS | 175 | $1.5M |
| Other(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 52 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.