| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 SAINT AUGUSTINE, FL 32080 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 1.28% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 SAINT AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | — | $33K | 10.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 SAINT AUGUSTINE, FL 32080 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | — | $27K | 10.00% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DRIVE SUITE 210 SAINT AUGUSTINE, FL 32080 | HARTFORD LIFE AND ACCIDENT | $44K | $3K | $47K | 21.29% |
| MFB FINANCIAL INC3 | 1200 PLANTATION ISLAND DR SUITE 210 SAINT AUGUSTINE, FL 32080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (AFLAC) | $21K | — | $21K | 26.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (AFLAC) | $16K | — | $16K | 20.05% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (AFLAC) | $2K | — | $2K | 1.88% |
| MARK F BAILEY3 | 1200 PLANTATION ISLAND DR STE 210 SAINT AUGUSTINE, FL 32080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (AFLAC) | $479 | — | $479 | 0.60% |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES | 1200 E TAFT AVE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (AFLAC) | $43 | — | $43 | 0.05% |
| VCG CONSULTANTS LLC3 Filed as: VCG CONSULTANTS | 999 PEACHTREE STREET SUITE 1500 ATLANTA, GA 30309 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (AFLAC) | $18 | — | $18 | 0.02% |
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 | 1,548 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN HERITAGE LIFE INSURANCE COMPANY (AFLAC) | 266 | $80K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,112 | $731K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,112 | $731K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,526 | $222K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 859 | $332K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,527 | $274K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,526 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,112 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.