| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $21K | $0 | $21K | 10.96% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1717 ARCH STREET, 11TH FLOOR PHILADELPHIA, PA 19103 | STANDARD INSURANCE COMPANY | $14K | $0 | $14K | 7.21% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 0.96% |
| PAYCOM PAYROLL LLC3 Filed as: PAYCOM PAYROLL HOLDINGS LLC | 7501 W MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | STANDARD INSURANCE COMPANY | $0 | -$8K | -$8K | -4.12% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $22K | $0 | $22K | 11.94% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1717 ARCH STREET, 11TH FLOOR PHILADELPHIA, PA 19103 | STANDARD INSURANCE COMPANY | $13K | $0 | $13K | 6.99% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 0.93% |
| PAYCOM PAYROLL LLC3 Filed as: PAYCOM PAYROLL HOLDINGS LLC | 7501 W MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | STANDARD INSURANCE COMPANY | $0 | -$8K | -$8K | -4.30% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $18K | $0 | $18K | 11.13% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1717 ARCH STREET, 11TH FLOOR PHILADELPHIA, PA 19103 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 7.11% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 0.95% |
| PAYCOM PAYROLL LLC3 Filed as: PAYCOM PAYROLL HOLDINGS LLC | 7501 W MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | STANDARD INSURANCE COMPANY | $0 | -$7K | -$7K | -4.02% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST AUGUSTINE, FL 32080 | AETNA LIFE INSURANCE CO. | $14K | $0 | $14K | 14.31% |
| MERCER HEALTH AND BENEFITS, LLC3 | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AETNA LIFE INSURANCE CO. | $3K | $0 | $3K | 2.87% |
| MERCER HEALTH AND BENEFITS, LLC3 | 3031 N ROCKY POINT DRIVE W SUITE 700 TAMPA, FL 33607 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 3.44% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 3.08% |
| REBECCA J SMITH INC3 Filed as: REBECCA J SMITH INC. | 2557 MICHAELSON WAY JACKSONVILLE, FL 32223 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 14.95% |
| LIVING LEGACY BENEFITS GROUP LLC3 | 12220 ATLANTIC BLVD SUITE 130, PMB 1148 JACKSONVILLE, FL 32225 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $78 | $0 | $78 | 0.39% |
| MERCER HEALTH AND BENEFITS, LLC3 | PO BOX 850502 MINNEAPOLIS, MN 55485 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $48 | $0 | $48 | 0.24% |
| KATIE AKERS NORTON3 | 6050 GREEN POND DRIVE JACKSONVILLE, FL 32258 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $45 | $0 | $45 | 0.23% |
| STEVE M MURRISON3 | 502 S ESTATES DRIVE SALINA, KS 67401 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | $0 | $26 | 0.13% |
| AMELIA T HAMILTON3 | 1120 N MAIN STREET WINNSBORO, TX 75494 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | $0 | $21 | 0.11% |
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 | 667 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 677 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 416 | $60K |
| Life insurance | STANDARD INSURANCE COMPANY | 645 | $188K |
| Short-term disability | STANDARD INSURANCE COMPANY | 645 | $165K |
| Long-term disability | STANDARD INSURANCE COMPANY | 645 | $185K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 645 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 645 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.