| 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, INC | $85K | — | $85K | 5.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S SUITE 210 SAINT AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $9K | — | $9K | 5.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $162 | $5K | 15.53% |
| ENROLLLEASE INC3 | 1980 FESTIVAL PLAZA DR #810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $546 | $546 | 1.80% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $145 | $5K | 20.66% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 18.61% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $122 | $3K | 15.77% |
| ENROLLLEASE INC3 | 1980 FESTIVAL PLAZA DR #810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $266 | $266 | 1.68% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $2K | $636 | $2K | 14.16% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $64 | $2K | 20.66% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $51 | $2K | 20.62% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $45 | $1K | 20.65% |
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 | 233 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH OPTIONS, INC | 178 | $1.9M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 136 | $46K |
| Vision | HUMANA INSURANCE COMPANY | 147 | $15K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $18K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 233 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 83 | $7K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 178 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.