| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $99K | — | $99K | 5.04% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. DBA THE BAILEY G | 1200 PLANTATION ISLAND DR. STE 210 ST. AUGUSTINE, FL 32080 | SYMETRA LIFE INSURANCE COMPANY | $19K | — | $19K | 16.58% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 9.77% |
| MFB FINANCIAL INC3 Filed as: MFB (THE BAILEY GROUP) | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 9.44% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S. CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $833 | $833 | 0.89% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. DBA THE BAILEY G | 1200 PLANTATION ISLAND DR. STE 210 ST. AUGUSTINE, FL 32080 | SYMETRA LIFE INSURANCE COMPANY | $5K | — | $5K | 18.22% |
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 | 264 | 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) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 179 | $2.0M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $94K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $94K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 0 | $113K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $113K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $113K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 179 | $2.0M |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 264 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.