| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 JACKSONVILLE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $60K | — | $60K | 5.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 JACKSONVILLE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $7K | — | $7K | 5.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 JACKSONVILLE, FL 32080 | PRINCIPAL FINANCIAL GROUP | $3K | — | $3K | 4.39% |
| WILLIAM PATRICK DOSTALER3 Filed as: WILLIAM TRAVIS CUMMINGS | 2095 SALT MYRTLE LN FLEMING ISLAND, FL 32003 | PRINCIPAL FINANCIAL GROUP | $452 | — | $452 | 0.73% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 JACKSONVILLE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $1K | $7K | 15.44% |
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 | 212 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | BLUE CROSS BLUE SHIELD OF FLORIDA | 162 | $1.3M |
| Dental | PRINCIPAL FINANCIAL GROUP | 260 | $62K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $47K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $47K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 180 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.