| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR ST AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $59K | — | $59K | 5.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 331782986 | FLORIDA COMBINED LIFE | $9K | — | $9K | 6.52% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR ST AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE | $5K | — | $5K | 3.45% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR ST AUGUSTINE, FL 32080 | HEALTH OPTIONS, INC. | $6K | — | $6K | 5.26% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $6K | $16K | 15.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (PA) INC. | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 4.60% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-PLEASE SEE ATTACHED | — | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $1K | $10K | 18.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 9850 NW 41ST STREET, SUITE 100 MIAMI, FL 33178 | BLUE CROSS BLUE SHIELD OF FLORIDA | $3K | $0 | $3K | 6.56% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR ST AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $2K | $0 | $2K | 3.41% |
| INNOVATIVE WORKPLACE BENEFITS3 | — | ZURICH INSURANCE COMPANY | $1K | — | $1K | 8.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | — | ZURICH INSURANCE COMPANY | $901 | — | $901 | 6.89% |
| ACI3 | — | ZURICH INSURANCE COMPANY | $783 | — | $783 | 5.98% |
| NDP CORPORATE SERVICES3 | — | ZURICH INSURANCE COMPANY | $406 | — | $406 | 3.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC9850 NW 41 | STE 100 MIAMI, FL 331782986 | FLORIDA COMBINED LIFE | $282 | — | $282 | 5.69% |
| MFB FONANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 320803115 | FLORIDA COMBINED LIFE | $214 | — | $214 | 4.32% |
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 | 324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 216 | $1.3M |
| Dental | FLORIDA COMBINED LIFE | 224 | $140K |
| Vision | BLUE CROSS BLUE SHIELD OF FLORIDA | 194 | $45K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 324 | $102K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 324 | $102K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 324 | $102K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 216 | $1.2M |
| Other(5 contracts, 5 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 324 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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.
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.