| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC Filed as: MFB FINANCIAL, INC. | 1200 PLANTATION ISLAND DR., S SUITE 210 ST. AUGUSTINE, FL 32080 | FLORIDA COMBINED LIFE INSURANCE COMPANY INC. | $12K | — | $12K | 9.00% |
| M F B FINANCIAL INC Filed as: MF FINANCIAL INC. | 1200 PLANTATION ISLAND DR., S SUITE 210 ST. AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $4K | $24K | 24.24% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF FLORIDA, INC. | P.O. BOX 904037 CHARLOTTE, NC 28290 | ADVANTICA, INC. | $512 | — | $512 | 5.00% |
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FLORIDA COMBINED LIFE INSURANCE COMPANY INC. | 245 | $132K |
| Vision | ADVANTICA, INC. | 245 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $100K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 254 | $100K |
| Other(2 contracts) | INDEPENDENT COLLEGES AND UNIVERSITIES BENEFITS ASSN. | 240 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.