| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S SUITE 210 ST AUGUSTINE, FL 320850590 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $31K | — | $31K | 3.16% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | — | $38K | 10.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $36K | — | $36K | 10.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 320803115 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $61 | $50K | 16.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.89% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INCORPORATED | 1200 PLANTATION ISLAND DR STE 210 ST AUGUSTINE, FL 32080 | AETNA LIFE INSURANCE CO | $28K | — | $28K | 13.46% |
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 | 1,727 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,727 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,438 | $995K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,438 | $995K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,217 | $308K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 910 | $376K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,159 | $356K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,217 | $348K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,217 | — |
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.