| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INCORPORATED | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | AETNA HEALTH INC | $64K | — | $64K | 6.81% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 320803115 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $14K | 22.72% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $502 | — | $502 | 0.81% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 320803115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 14.68% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 320803115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $976 | $3K | 14.62% |
| MARK F BAILEY3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | ALLSTATE | $2K | — | $2K | 18.09% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | ALLSTATE | $855 | — | $855 | 6.47% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 320803115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $576 | $2K | 14.77% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 320803115 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $525 | $2K | 14.69% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 320803115 | HUMANA INSURANCE COMPANY | $797 | $369 | $1K | 13.34% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INCORPORATED | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | AETNA LIFE INSURANCE CO | $440 | — | $440 | 6.60% |
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 | 121 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH INC | 189 | $965K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 214 | $62K |
| Vision | HUMANA INSURANCE COMPANY | 94 | $9K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $23K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $27K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 12 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.