| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INCORPORATED | 1200 PLANTATION ISLAND DR. SUITE 210 ST. AUGUSTINE, FL 32080 | AETNA LIFE INSURANCE COMPANY | $52K | $2K | $54K | 7.77% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INCORPORATED | 1200 PLANTATION ISLAND DR. SUITE 210 ST. AUGUSTINE, FL 32080 | AETNA LIFE INSURANCE COMPANY | $6K | $182 | $6K | 7.79% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INCORPORATED | 1200 PLANTATION ISLAND DR. SUITE 210 ST. AUGUSTINE, FL 32080 | AMERITAS LIFE INSURANCE CORPORATION | $8K | $0 | $8K | 15.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INCORPORATED | 1200 PLANTATION ISLAND DR. ST. AUGUSTINE, FL 32080 | THE HARTFORD | $8K | $0 | $8K | 20.38% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INCORPORATED | 1200 PLANTATION ISLAND DR. ST. AUGUSTINE, FL 32080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $1K | $5K | 21.42% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INCORPORATED | 1200 PLANTATION ISLAND DR. ST. AUGUSTINE, FL 32080 | HUMANA | $1K | $420 | $2K | 13.70% |
| MATT CASTO4 | 1700 WHITFIELD RD SE EAST GRAND RAPIDS, MI 49506 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $502 | — | $502 | 10.32% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INCORPORATED | 1200 PLANTATION ISLAND DR. ST. AUGUSTINE, FL 32080 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $383 | $0 | $383 | 7.87% |
| CHARLES B ZITSMAN4 Filed as: CHARLES ZITSMAN | 3521 KINDS RD. S ST. AUGUSTINE, FL 32086 | PREPAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $166 | $0 | $166 | 3.41% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE COMPANY | 187 | $774K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 198 | $52K |
| Vision | HUMANA | 70 | $11K |
| Life insurance | THE HARTFORD | 111 | $39K |
| Short-term disability(2 contracts, 2 carriers) | THE HARTFORD | 111 | $64K |
| Long-term disability | THE HARTFORD | 111 | $39K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 29 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.