| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | $1K | $44K | 4.13% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF FLORIDA INC | 10151 DEERWOOD PARK BOULEVARD SUITE 100-100 JACKSONVILLE, FL 32256 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 0.83% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST AGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $15K | $3K | $18K | 20.45% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INC | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 SUITE 100 JACKSONVILLE, FL 32256 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.33% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST AGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $2K | $1K | $3K | 18.35% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INC | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 SUITE 100 JACKSONVILLE, FL 32256 | STANDARD INSURANCE COMPANY | $435 | — | $435 | 2.31% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICE INC | 1250 CAPITAL OF TX HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | — | $387 | $387 | 2.05% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $2K | $1K | $3K | 18.83% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INC | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 SUITE 100 JACKSONVILLE, FL 32256 | STANDARD INSURANCE COMPANY | $416 | — | $416 | 2.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICE INC | 1250 CAPITAL OF TX HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | — | $401 | $401 | 2.16% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $2K | $1K | $3K | 20.17% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INC | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 SUITE 100 JACKSONVILLE, FL 32256 | STANDARD INSURANCE COMPANY | $390 | — | $390 | 2.48% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $2K | $935 | $3K | 18.42% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN INC | 10151 DEERWOOD PARK BOULEVARD BUILDING 100 SUITE 100 JACKSONVILLE, FL 32256 | STANDARD INSURANCE COMPANY | $319 | — | $319 | 2.33% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICE INC | 1250 CAPITAL OF TX HIGHWAY BUILDING 2 SUITE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | — | $281 | $281 | 2.05% |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 212 | $1.1M |
| Dental | STANDARD INSURANCE COMPANY | 133 | $89K |
| Vision | STANDARD INSURANCE COMPANY | 131 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 140 | $19K |
| Short-term disability | STANDARD INSURANCE COMPANY | 63 | $19K |
| Long-term disability | STANDARD INSURANCE COMPANY | 140 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.