| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $40K | $4K | $44K | 16.23% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29K | $8K | $37K | 25.47% |
| ORACLE AMERICA, INC.5 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.60% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 1.14% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $5K | $23K | 25.53% |
| ORACLE AMERICA, INC.5 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.56% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, FL 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.15% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $2K | $12K | 25.20% |
| ORACLE AMERICA, INC.5 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.01% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $504 | $504 | 1.08% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 25.52% |
| ORACLE AMERICA, INC.5 | — | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 4.99% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $533 | $533 | 1.15% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $3K | $912 | $4K | 12.52% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 26.01% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $320 | $320 | 1.25% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $6K | 26.77% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $312 | $312 | 1.41% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR S STE 210 ST. AUGUSTINE, FL 32080 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $598 | $5K | 22.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S. CAPITAL OF TEXAS HIGHWAY STE 600 WEST LAKE HILLS, TX 78746 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $249 | $249 | 1.24% |
| MFB FINANCIAL DBA THE BAILEY GROUP4 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $476 | — | $476 | 7.26% |
| MATT CASTO4 | 7365 TREELINE DR SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $323 | — | $323 | 4.93% |
| CHARLES B ZITSMAN4 | 3521 KINGS RD S ST AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $190 | — | $190 | 2.90% |
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 | 316 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 313 | $271K |
| Vision | HUMANA INSURANCE COMPANY | 266 | $35K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $46K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 426 | $90K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 426 | $46K |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 426 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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.