| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC. | 1200 PLANTATION ISLAND DR STE 210 ST. AUGUSTINE, FL 32080 | HEALTH OPTIONS INC | $54K | — | $54K | 7.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC. | 1200 PLANTATION ISLAND DRIVE STE 210 ST. AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $8K | — | $8K | 7.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC, DEBORAH CROFT | 1200 PLANTATION ISLAND DRIVE STE 210 ST. AUGUSTINE, FL 32080 | AETNA LIFE INSURANCE COMPANY | $8K | — | $8K | 9.94% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 16.11% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $295 | $295 | 1.02% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 16.11% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $225 | $225 | 1.02% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $786 | $2K | 15.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $131 | $131 | 0.92% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $711 | $2K | 16.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP FINANCIAL SERVICES INC | 1250 S CAPTIAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $119 | $119 | 1.03% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE STE 210 ST. AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $1K | $471 | $2K | 14.26% |
| MFB FINANCIAL INC3 Filed as: MFB FINL INC DBA THE BAILEY GROUP | 1200 PLANTATION ISLAND DRIVE STE 210 ST AUGUSTINE, FL 32080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 12.65% |
| THE BAILEY GROUP3 Filed as: BAILEY MARK F | 1200 PLANTATION ISLAND DRIVE STE 210 ST AUGUSTINE, FL 32080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $775 | — | $775 | 9.28% |
| MFB FINANCIAL INC3 Filed as: MFB FINL INC DBA THE BAILEY GROUP | 1200 PLANTATION ISLAND DRIVE STE 210 ST AUGUSTINE, FL 32080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 19.45% |
| THE BAILEY GROUP3 Filed as: BAILEY MARK F | 1200 PLANTATION ISLAND DRIVE STE 210 ST AUGUSTINE, FL 32080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $530 | — | $530 | 8.65% |
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 | 120 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS INC | 83 | $891K |
| Dental | AETNA LIFE INSURANCE COMPANY | 219 | $76K |
| Vision | HUMANA INSURANCE COMPANY | 95 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 120 | $22K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS INC | 83 | $891K |
| Other(2 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 33 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.