| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL INC. | 1200 PLANTATION ISLAND S SUITE 210 ST. AUGUSTINE, FL 32080 | GUARDIAN | $29K | $1K | $30K | 11.95% |
| MFB FINANCIAL INC3 Filed as: MFB (THE BAILEY GROUP) | 1200 PLANTATION ISLAND DRIVE STE 210 SAINT AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | — | $23K | 11.99% |
| MFB FINANCIAL INC3 Filed as: MFB FINANCIAL, INC | 1200 PLANTATION ISLAND DRIVE STE 210 SAINT AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 15.16% |
| 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 | $2K | — | $2K | 15.44% |
| ROBERT L CATHEY JR4 | 163 EBENEZER RD FAYETTEVILLE, GA 30215 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHEILD | $917 | — | $917 | 7.69% |
| LATANIA M WILLIAMS4 | 5420 RIVERFRONT DR APT B BRADENTON, FL 34208 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHEILD | $21 | — | $21 | 0.18% |
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 | 454 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 406 | $254K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 746 | $38K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 463 | $194K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 463 | $194K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 463 | $194K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 463 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 746 | — |
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.