| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $411K | $411K | 1.87% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | METROPOLITAN LIFE INSURANCE COMPANY | $227K | $70K | $297K | 11.45% |
| HODGES-MACE LLC5 Filed as: HODGES MACE LLC | 5775 GLENRIDGE DR STE 500 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | — | $56K | $56K | 2.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 0.67% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $49K | — | $49K | 10.00% |
| HODGES-MACE LLC5 | 5775-D GLENRIDGE DR NE STE 350 ATLANTA, GA 30328 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $17K | $17K | 3.50% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST AUGUSTINE, FL 32080 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | — | $30K | 15.85% |
| HODGES-MACE LLC5 Filed as: HODGES MACE LLC | 5775 GLENRIDGE DR STE 500 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 2.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.67% |
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 | 2,639 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 75 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,714 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 3,798 | $22.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 6,273 | $2.6M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 6,273 | $2.6M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 6,273 | $2.6M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,596 | $493K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 6,273 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,273 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.