| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | HEALTH OPTIONS, INC | $45K | $0 | $45K | 6.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S SUITE 210 SAINT AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $35K | $0 | $35K | 6.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $3K | $14K | 18.27% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | HARTFORD LIFE AND ACCIDENT | $13K | $0 | $13K | 19.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD SUITE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | $0 | $600 | $600 | 0.91% |
| NORTH FLORIDA BROKER SOLUTIONS LLC3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE INSURANCE | $958 | $351 | $1K | 7.08% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | COLONIAL LIFE INSURANCE | $947 | $93 | $1K | 5.62% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE INSURANCE | $170 | $0 | $170 | 0.92% |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN CT JACKSONVILLE, FL 32224 | COLONIAL LIFE INSURANCE | $113 | $12 | $125 | 0.68% |
| ESTATE OF DIANNA L. CHAMBERS3 Filed as: ESTATE OF DIANNA L CHAMBERS | 22252 SANDRA LANE MCCALLA, AL 35111 | COLONIAL LIFE INSURANCE | $60 | $0 | $60 | 0.32% |
| DOROTHY RING3 | 8300 PLAZA GATE LN JACKSONVILLE, FL 32217 | COLONIAL LIFE INSURANCE | $54 | $0 | $54 | 0.29% |
| TAMRE GRACE HAMMER3 | 1836 BROADHAVEN DRIVE MIDDLEBURG, FL 32068 | COLONIAL LIFE INSURANCE | $20 | $0 | $20 | 0.11% |
| PATRICIA A DUNCAN3 | 520 WHEATFIELD RD FRANKLIN, NC 28734 | COLONIAL LIFE INSURANCE | $7 | $0 | $7 | 0.04% |
| NOEL PERRY CLARK3 | 7777 NORMANDY BLVD APT 101 JACKSONVILLE, FL 32221 | COLONIAL LIFE INSURANCE | $7 | $0 | $7 | 0.04% |
| JESSE DUANE DAVIS3 | 2164 UNITY TRAIL NW MARIETTA, GA 30064 | COLONIAL LIFE INSURANCE | $5 | $0 | $5 | 0.03% |
| VB SOLUTIONS LLC3 | 7111 NE 222ND ST MELROSE, FL 32666 | COLONIAL LIFE INSURANCE | $1 | $0 | $1 | 0.01% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $2K | $299 | $2K | 11.84% |
| MATT CASTO4 | 7365 TREELINE DR SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $346 | $0 | $346 | 10.19% |
| MFB FINANCIAL INC4 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $286 | $0 | $286 | 8.42% |
| CHARLES B ZITSMAN4 | 3521 KINGS RD S ST. AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $145 | $0 | $145 | 4.27% |
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 | 156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $79K |
| Vision | HUMANA INSURANCE COMPANY | 108 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 156 | $66K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 156 | $85K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 156 | $66K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE INSURANCE | 33 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.