| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DRIVE STE 210 SAINT AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 8.30% |
| MFB FINANCIAL INC3 Filed as: MFB (THE BAILEY GROUP) | 1200 PLANTATION ISLAND DRIVE STE 210 SAINT AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | — | $19K | 10.44% |
| BROWN AND BROWN OF FLORIDA, INC.4 Filed as: U L BROWN ASSOCIATES LLC | 204 BRIDGE PT PEACHTREE CITY, GA 30269 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHEILD | $1K | — | $1K | 12.57% |
| ROBERT L CATHEY JR4 | 163 EBENEZER RD FAYETTEVILLE, GA 30215 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHEILD | $586 | — | $586 | 5.66% |
| LATANIA M WILLIAMS4 | 5420 RIVERFRONT DR APT B BRADENTON, FL 34208 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHEILD | $21 | — | $21 | 0.20% |
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 | 412 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 705 | $291K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 705 | $291K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 412 | $179K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 412 | $179K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 412 | $179K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 412 | $189K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 705 | — |
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.