| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 320803115 | HEALTH OPTIONS, INC | $78K | — | $78K | 7.00% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DR S STE 210 SAINT AUGUSTINE, FL 320803115 | BLUE CROSS BLUE SHIELD OF FLORIDA | $20K | — | $20K | 7.00% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $11K | — | $11K | 7.37% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR #210 SAINT AUGUSTINE, FL 32080 | AMERICAN FIDELITY ASSURANCE COMPANY | $7K | — | $7K | 4.73% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $4K | $4K | 2.34% |
| MFB FINANCIAL INC3 | STE 210 1200 PLANTATION ISLAND DR ST AUGUSTINE, FL 320803115 | HUMANA | $13K | $3K | $16K | 18.60% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DR SUITE 210 ST AUGUSTINE, FL 32080 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 18.47% |
| NFP INSURANCE SERVICES INC3 | BLDG 2 STE 125 1250 CAPTIAL OF TX HWY AUSTIN, TX 78746 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 2.42% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 8.05% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR #210 SAINT AUGUSTINE, FL 32080 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 4.39% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $929 | $929 | 2.84% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 9.47% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR #210 SAINT AUGUSTINE, FL 32080 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 4.49% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $471 | $471 | 1.56% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR #210 SAINT AUGUSTINE, FL 32080 | AMERICAN FIDELITY ASSURANCE COMPANY | $973 | — | $973 | 5.00% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $467 | $467 | 2.40% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $353 | — | $353 | 1.82% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 8.46% |
| FLORIDA AUTOMOBILE DEALERS ASSOC3 | ATTN T SMITH EXEC VP TALLAHASSEE, FL 32301 | AMERICAN FIDELITY ASSURANCE COMPANY | — | $249 | $249 | 1.55% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR #210 SAINT AUGUSTINE, FL 32080 | AMERICAN FIDELITY ASSURANCE COMPANY | $109 | — | $109 | 0.68% |
| MFB FINANCIAL INC3 | STE 210 1200 PLANTATION ISLAND DR ST AUGUSTINE, FL 320803115 | HUMANA | $2K | $489 | $3K | 23.61% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELTIY ASSURANCE COMPANY | PO BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $222 | — | $222 | 5.04% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL | 1200 PLANTATION ISLAND DR #210 SAINT AUGUSTINE, FL 32080 | AMERICAN FIDELITY ASSURANCE COMPANY | $88 | — | $88 | 2.00% |
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 | 238 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 130 | $1.4M |
| Dental | HUMANA | 142 | $88K |
| Vision | HUMANA | 114 | $12K |
| Life insurance | STANDARD INSURANCE COMPANY | 238 | $49K |
| Short-term disability(2 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 161 | $52K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 104 | $153K |
| Prescription drug(2 contracts, 2 carriers) | HEALTH OPTIONS, INC | 130 | $1.4M |
| Other(3 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 81 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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.