| 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 | $53K | $0 | $53K | 6.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $42K | $0 | $42K | 6.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $691 | $14K | 15.75% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $344 | $5K | 21.49% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $2K | $832 | $3K | 15.54% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $246 | $3K | 21.53% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S SUITE 210 ST. AUGUSTINE, FL 32080 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $66 | $1K | 8.57% |
| ELIZABETH MARIE LANGEVIN3 Filed as: ELIZABETH ANNE FELL | 775 PROVIDENCE ISLAND CT JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $367 | $19 | $386 | 2.43% |
| BAILEA MCNIEL3 Filed as: BAILEA MCNEIL | 8685 BAYMEADOWS RD EAST JACKSONVILLE, FL 32256 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $119 | $48 | $167 | 1.05% |
| ANNALIESE CLARK3 | 1336 HIDEAWAY DR S SAINT JOHNS, FL 32259 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $129 | $0 | $129 | 0.81% |
| ALYSON MARIE MCMAHON3 | 2127 GRASSY BASIN CT JACKSONVILLE, FL 32224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | $0 | $58 | 0.36% |
| DOROTHY RING3 | 8300 PLAZA GATE LN JACKSONVILLE, FL 32217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 0.26% |
| JESSE DUANE DAVIS3 | 2164 UNITY TRAIL NW MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.02% |
| NOEL PERRY CLARK3 | 9684 STANFORD BRIDGE DRIVE JACKSONVILLE, FL 32221 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.02% |
| STEVEN JAMES FELL3 | 1550 HARRINGTON PARK DRIVE JACKSONVILLE, FL 32225 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.02% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 75 | $1.6M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 127 | $92K |
| Vision | HUMANA INSURANCE COMPANY | 110 | $18K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $16K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 158 | $23K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 25 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.
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.