| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | HEALTH OPTION, INC | $72K | — | $72K | 6.50% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $58K | — | $58K | 6.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $43K | $5K | $48K | 21.93% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $35 | $2K | — |
| PERNELL F. WHITE JR.3 | 49 PINE CIRCLE DR. PALM COAST, FL 32164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $885 | $21 | $906 | — |
| LYNNE HEALY3 | 20 UNDERMOUNT PATH E PALM COAST, FL 32164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | $585 | $812 | — |
| NICOLE TOWNSEND VEDDER3 | 6548 WILDEMEADE PL. TALLAHASSEE, FL 32309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $297 | $218 | $515 | — |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH ANNE FELL | 3996 RICHMOND PARK DR E JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $460 | — | $460 | — |
| ROBERT SPECIALE3 | 27 RAMBLEWOOD DRIVE PALM COAST, FL 32164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $303 | — | $303 | — |
| JENNIFER ALLEN3 | 60 FRANCISCAN LANE PALM COAST, FL 32137 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $179 | $18 | $197 | — |
| CECIL T SALMON3 Filed as: CECIL T. SALMON | 27 RAMBLEWOOD DRIVE PALM COAST, FL 32164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $112 | $4 | $116 | — |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DR. S. SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103 | — | $103 | — |
| CHRISTOPHER CASTAGNA3 | 20 UNDERMOUTH PATH E PALM COAST, FL 32164 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | — | $99 | — |
| BAILEA MCNIEL3 Filed as: BAILEA MCNEIL | 8685 BAYMEADOWS RD EAST JACKSONVILLE, FL 32256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $88 | — | $88 | — |
| CHARLES R TRIPLETT JR3 Filed as: CHARLES R. TRIPLETT JR. | 606 S. CENTRAL AVE FLAGLER BEACH, FL 32136 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | $13 | $76 | — |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN CT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $60 | — | $60 | — |
| JASON ALLEN3 | 60 FRANCISCAN LANE PALM COAST, FL 32137 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $14 | $38 | $52 | — |
| DOROTHY RING3 | 8300 PLAZA GATE LN JACKSONVILLE, FL 32217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | — |
| NOEL PERRY CLARK3 | 9684 STANFORD BRIDGE DRIVE JACKSONVILLE, FL 32221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | — |
| JESSE DUANE DAVIS3 | 2164 UNITY TRAIL NW MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | — |
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 | 190 | 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. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTION, INC | 80 | $2.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 190 | $217K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 190 | $217K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 190 | $217K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 190 | $217K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 190 | $217K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 190 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.