| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND SOUTH STE 210 ST. AUGUSTINE, FL 32080 | GUARDIAN | $211K | — | $211K | 12.33% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $40K | $22K | $62K | 9.26% |
| PLANSOURCE BEN ADMINISTRATION INC5 | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $10K | $10K | 1.50% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKES HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 1.36% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | PO BOX 785700 PHILADELPHIA, PA 19178 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $57K | — | $57K | 10.00% |
| PLANSOURCE BEN ADMINISTRATION INC5 Filed as: PLANSOURCE BEN ADMINISTRATION INC. | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 1.50% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR. S. STE 210 ST. AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $49K | — | $49K | 10.00% |
| PLANSOURCE BENEFITS ADMINISTRATION5 | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 1.50% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $46K | — | $46K | 20.00% |
| PLANSOURCE BENEFITS ADMINISTRATION5 | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 1.50% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 Filed as: MFB FINANCIAL INC DBA THE BAILEY GR | 1200 PLANTATION ISLAND DR. SE STE 210 ST. AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $41K | — | $41K | 20.00% |
| PLANSOURCE BEN ADMINISTRATION INC3 Filed as: PLANSOURCE BEN ADMINISTRATION INC. | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 1.50% |
| 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 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $37K | — | $37K | 20.00% |
| PLANSOURCE BEN ADMINISTRATION INC5 Filed as: PLANSOURCE BEN ADMINISTRATION INC. | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 1.50% |
| 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 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | — | $22K | 20.00% |
| PLANSOURCE BEN ADMINISTRATION INC5 Filed as: PLANSOURCE BEN ADMINISTRATION | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.50% |
| 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 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | — | $18K | 20.00% |
| PLANSOURCE BENEFITS ADMINISTRATION5 | PO BOX 1313 ORLANDO, FL 32802 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.50% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR ST. AUGUSTINE, FL 32080 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.41% |
| MARK F BAILEY3 Filed as: MARK FRANKLIN BAILEY | 1200 PLANTATION ISLAND DR STE 210 ST. AUGUSTINE, FL 32080 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.20% |
| MARK F BAILEY3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | $52K | — | $52K | — |
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 | 2,616 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD HEALTHCARE PLAN OF GEORGIA, INC. | 0 | $0 |
| Dental | GUARDIAN | 1,999 | $1.7M |
| Vision | GUARDIAN | 1,999 | $1.7M |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,714 | $1.1M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,652 | $664K |
| Other(7 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,714 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,714 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.