| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $93K | $98K | 2.25% |
| ACRISURE LLC3 | 2965 ALT 19 N PALM HARBOR, FL 34683 | UNITEDHEALTHCARE INSURANCE COMPANY | -$33K | $43K | $11K | 0.25% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | METROPOLITAN LIFE INSURANCE COMPANY | $109K | $5K | $114K | 14.95% |
| ACRISURE LLC3 Filed as: ACRISURE | 5664 PRARIE CREEK DRIVE SE CALEDONIA, MI 49316 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $0 | $20K | 2.57% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.79% |
| ACRISURE LLC3 Filed as: ACRISURE DBA GARCEAU INSURANCE AGCY | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.32% |
| MARK F BAILEY3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15K | — | $15K | 12.05% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.01% |
| MFB FINANCIAL DBA THE BAILEY GROUP4 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 11.19% |
| MATT CASTO4 | 7365 TREELINE DRIVE SE GRAND RAPIDS, MO 49546 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 9.83% |
| CHARLES B ZITSMAN4 Filed as: CHARLES B. ZITSMAN | 3521 KINGS ROAD S SAINT AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $703 | — | $703 | 5.11% |
| 3 RIVERS INSURANCE GROUP4 | 15050 ELDERBERRY LANE SUITE 6 FORT MYERS, FL 33907 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $38 | — | $38 | 0.28% |
| ACRISURE LLC3 Filed as: ACRISURE | 5664 PRARIE CREEK DRIVE SE CALEDONIA, MI 49316 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $19 | — | $19 | 0.14% |
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 | 850 | 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) | 850 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 850 | $4.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,612 | $761K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,612 | $761K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,612 | $761K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,612 | $761K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,612 | $901K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,612 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.