| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DRIVE 210 SAINT AUGUSTINE, FL 32080 | HEALTH OPTIONS | $60K | — | $60K | 7.01% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DRIVE 210 SAINT AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $17K | — | $17K | 7.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DRIVE 210 SAINT AUGUSTINE, FL 32080 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 2.74% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 2.18% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $2K | $2K | 1.46% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DRIVE 210 SAINT AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $10K | $1K | $12K | 16.87% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DRIVE 210 SAINT AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 20.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 8.73% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $443 | $443 | 3.12% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DRIVE 210 SAINT AUGUSTINE, FL 32080 | AMERICAN FIDELITY ASSURANCE COMPANY | $181 | — | $181 | 1.28% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 10.40% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $279 | $279 | 2.18% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DRIVE 210 SAINT AUGUSTINE, FL 32082 | AMERICAN FIDELITY ASSURANCE COMPANY | $251 | — | $251 | 1.96% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DRIVE 210 SAINT AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $2K | $232 | $2K | 22.22% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $892 | — | $892 | 23.85% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DRIVE 210 SAINT AUGUSTINE, FL 32080 | AMERICAN FIDELITY ASSURANCE COMPANY | $129 | — | $129 | 3.45% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $8 | $8 | 0.21% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $84 | $84 | 2.39% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DRIVE 210 SAINT AUGUSTINE, FL 32080 | AMERICAN FIDELITY ASSURANCE COMPANY | $73 | — | $73 | 2.07% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $24 | — | $24 | 0.68% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DRIVE 210 SAINT AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $647 | — | $647 | 20.01% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DRIVE 210 SAINT AUGUSTINE, FL 32080 | AMERICAN FIDELITY ASSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $7 | $7 | 0.77% |
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. |
| 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 OPTIONS | 98 | $1.1M |
| Dental | HUMANA INSURANCE COMPANY | 119 | $69K |
| Vision | HUMANA INSURANCE COMPANY | 93 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $27K |
| Short-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 62 | $18K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 80 | $120K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 98 | $1.1M |
| Other(5 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 190 | $22K |
| 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.