| 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 | $93K | — | $93K | 5.06% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $10K | — | $10K | 5.05% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $268 | $7K | 15.58% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 1980 FESTIVAL PLAZA DR # 810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $917 | $917 | 2.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $465 | $9K | 21.10% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 1980 FESTIVAL PLAZA DR # 810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $994 | $994 | 2.34% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $194 | $4K | 15.73% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 1980 FESTIVAL PLAZA DR # 810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $530 | $530 | 2.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | RELIASTAR LIFE INSURANCE COMPANY | $3K | — | $3K | 13.23% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $2K | $916 | $3K | 15.09% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $200 | $4K | 21.17% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 1980 FESTIVAL PLAZA DR # 810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $390 | $390 | 2.28% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $180 | $3K | 21.19% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 1980 FESTIVAL PLAZA DR # 810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $340 | $340 | 2.26% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $143 | $3K | 21.20% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 1980 FESTIVAL PLAZA DR # 810 LAS VEGAS, NV 89135 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $268 | $268 | 2.24% |
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 | 270 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HEALTH OPTIONS, INC | 189 | $2.1M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 125 | $72K |
| Vision | HUMANA INSURANCE COMPANY | 172 | $18K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 270 | $32K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 270 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 85 | $12K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 189 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.