| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR #210 ST AUGUSTINE, FL 320803115 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $63K | $77K | 5.97% |
| MFB FINANCIAL INC3 Filed as: MFB (THE BAILEY GROUP) | 1200 PLANTATION ISLAND DR #210 ST AUGUSTINE, FL 320803115 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 16.97% |
| MFB FINANCIAL DBA THE BAILEY GROUP4 | 1200 PLANTATION ISLAND DR SUITE 210 SAINT AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $821 | — | $821 | 12.34% |
| MATT CASTO4 | 7365 TREELINE DR. SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $412 | — | $412 | 6.19% |
| CHARLES B ZITSMAN4 Filed as: CHARLES ZITSMAN | 3521 KINGS RD S. ST. AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $318 | — | $318 | 4.78% |
| SEE ATTACHED3 Filed as: SEE ATTACHED SCHEDULE | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $879 | — | $879 | 14.08% |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 255 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 255 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 255 | $1.3M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 189 | $144K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 189 | $144K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 189 | $144K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 189 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.