| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DRIVE S SUITE 210 ST. AUGUSTINE, FL 32080 | HEALTH OPTIONS | $73K | — | $73K | 7.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DRIVE S SUITE 210 ST. AUGUSTINE, FL 32080 | BLUE CROSS BLUE SHIELD OF FLORIDA | $18K | — | $18K | 7.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | — | $7K | 6.74% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $6K | $6K | 5.64% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 3.94% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S SUITE 210 ST. AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $9K | $3K | $11K | 16.02% |
| MARK BAILEY3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | NEW YORK LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| DISABILITY RMS5 | 300 SOUTHBOROUGH DRIVE SUITE 200 SOUTH PORTLAND, ME 04106 | NEW YORK LIFE INSURANCE COMPANY | — | $5K | $5K | 14.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 7.88% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | AMERICAN FIDELITY ASSURANCE COMPANY | $635 | — | $635 | 3.77% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $318 | $318 | 1.89% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $3K | $2K | $5K | 32.46% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 10.28% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | AMERICAN FIDELITY ASSURANCE COMPANY | $508 | — | $508 | 3.37% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN SMITH EXEC VP TAHHAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $482 | $482 | 3.20% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $2K | $435 | $2K | 20.52% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | AMERICAN FIDELITY ASSURANCE COMPANY | $525 | — | $525 | 4.82% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $243 | $243 | 2.23% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $123 | — | $123 | 1.13% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 85.66% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $63 | $63 | 2.44% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 ST. AUGUSTINE, FL 32080 | AMERICAN FIDELITY ASSURANCE COMPANY | $42 | — | $42 | 1.63% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $101 | — | $101 | 10.33% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE ST. AUGUSTINE, FL 32080 | AMERICAN FIDELITY ASSURANCE COMPANY | $20 | — | $20 | 2.04% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $6 | $6 | 0.78% |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS | 117 | $1.3M |
| Dental | HUMANA INSURANCE COMPANY | 126 | $70K |
| Vision | HUMANA INSURANCE COMPANY | 99 | $12K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE INSURANCE COMPANY | 200 | $55K |
| Short-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 79 | $26K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 79 | $106K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS | 117 | $1.3M |
| Other(4 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 51 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.