| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR SUITE 210 SAINT AUGUSTINE, FL 32080 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $8K | $18K | 3.53% |
| NFP INSURANCE SERVICES INC3 | 109 LAURENS RD SUITE 1A GREENVILLE, SC 29607 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 0.59% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 SAINT AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | — | $26K | 10.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 SAINT AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 10.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR SUITE 210 SAINT AUGUSTINE, FL 32080 | HARTFORD LIFE AND ACCIDENT | $41K | — | $41K | 18.56% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR SUITE 210 SAINT AUGUSTINE, FL 32080 | HUMANA INSURANCE COMPANY | $8K | $4K | $12K | 14.29% |
| BENEFITS TECHNOLOGIES LLC3 | 20 WIGHT AVE SUITE 160 HUNT VALLEY, MD 21030 | ALLSTATE | $532 | — | $532 | 2.19% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET SUITE 1500 ATLANTA, GA 30309 | ALLSTATE | $228 | — | $228 | 0.94% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR SUITE 210 SAINT AUGUSTINE, FL 32080 | ALLSTATE | $50 | — | $50 | 0.21% |
| BENEFITS TECHNOLOGIES LLC3 | 20 WIGHT AVE SUITE 160 HUNT VALLEY, MD 21030 | ALLSTATE | $257 | — | $257 | 1.70% |
| VCG CONSULTANTS LLC3 | 999 PEACHTREE STREET SUITE 1500 ATLANTA, GA 30309 | ALLSTATE | $111 | — | $111 | 0.73% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 SAINT AUGUSTINE, FL 32080 | ALLSTATE | $55 | — | $55 | 0.36% |
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 | 1,300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ALLSTATE | 58 | $24K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 998 | $505K |
| Vision | HUMANA INSURANCE COMPANY | 814 | $82K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,300 | $233K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,300 | $260K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,300 | $222K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,300 | $236K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,300 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.