| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. DBA THE BAILEY G | 1200 PLANTATION ISLAND DR. S. SUITE 210 ST. AUGUSTINE, FL 32080 | UNITED HEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 8.45% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. DBA THE BAILEY G | 1200 PLANTATION ISLAND DR. S. SUITE 210 ST. AUGUSTINE, FL 32080 | UNITED HEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 11.12% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: U L BROWN & ASSOCIATES | 204 BRIDGE PT PEACHTREE CITY, GA 30269 | PREPAID LEAGAL SERVICES INC. DBA LEGALSHIELD | $24K | — | $24K | 31.87% |
| ROBERT L CATHEY JR4 | 163 EBENZER RD FAYETTEVILLE, GA 30215 | PREPAID LEAGAL SERVICES INC. DBA LEGALSHIELD | $9K | — | $9K | 11.65% |
| LATANIA M WILLIAMS4 | 3732 NW 53RD LN GAINESVILLE, FL 32653 | PREPAID LEAGAL SERVICES INC. DBA LEGALSHIELD | $21 | — | $21 | 0.03% |
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 | 477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 480 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 422 | $321K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 422 | $321K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 477 | $182K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 477 | $182K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 477 | $182K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 477 | $256K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 477 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.