| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR. S STE 210 ST. AUGUSTINE, FL 32080 | HEALTH OPTIONS | $52K | — | $52K | 6.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND DR. S SUITE 210 ST. AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $14K | — | $14K | 6.00% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $9K | $1K | $10K | 20.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY BLDG 2, STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | — | $1K | $1K | 2.12% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. DBA THE BAILEY G | 1200 PLANTATION ISLAND DRIVE ST. AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE | $5K | — | $5K | 10.42% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. SUITE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $7K | $781 | $8K | 20.47% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HIGHWAY BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | — | $781 | $781 | 2.13% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. SUITE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $5K | $628 | $6K | 20.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY. BLDG 2, STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | — | $628 | $628 | 2.13% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. SUITE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $620 | $146 | $766 | 11.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TEXAS HWY. BLDG 2 STE 125 AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | — | $73 | $73 | 1.07% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 14 | $238K |
| Dental | FLORIDA COMBINED LIFE | 89 | $50K |
| Vision | STANDARD INSURANCE COMPANY | 79 | $7K |
| Life insurance | STANDARD INSURANCE COMPANY | 178 | $51K |
| Short-term disability | STANDARD INSURANCE COMPANY | 119 | $37K |
| Long-term disability | STANDARD INSURANCE COMPANY | 119 | $30K |
| Other | STANDARD INSURANCE COMPANY | 178 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.