| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $40K | — | $40K | 6.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPNAY | $3K | $116 | $3K | 7.29% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPNAY | — | $164 | $164 | 0.41% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPNAY | $3K | $1K | $4K | 27.02% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPNAY | — | $116 | $116 | 0.79% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPNAY | $2K | $910 | $3K | 27.61% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPNAY | — | $116 | $116 | 0.97% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPNAY | $2K | $595 | $2K | 26.47% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPNAY | — | $60 | $60 | 0.65% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $720 | $146 | $866 | 11.58% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPNAY | $913 | $336 | $1K | 20.51% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 AUSTIN, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPNAY | — | $40 | $40 | 0.66% |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 0 | $670K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPNAY | 90 | $40K |
| Vision | HUMANA INSURANCE COMPANY | 89 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPNAY | 176 | $15K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPNAY | 37 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPNAY | 24 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.